# Flagstar Mobile

> Mobile banking app for managing accounts, transfers, payments, and debit card controls. (iPhone/iPad app by Flagstar Bank,FSB.)

- Source: https://appshunter.io/ios/app/flagstar-mobile/id1441320893 (this page in markdown: same URL + `.md`)
- Developer: [Flagstar Bank,FSB](https://appshunter.io/developer/480052052)
- Category: Finance
- Price: Free
- Rating: 4.65/5 from 20,937 App Store ratings · 60 written reviews indexed
- Age rating: 4+
- Requires: iOS 9.0 · 23 MB
- Languages: English, Spanish
- Released: 2018-12-03
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/flagstar-mobile/id1441320893/reviews.md

## What is Flagstar Mobile?

Designed for banking on-the-go.


Flagstar Mobile was created so you can bank anytime, anywhere.


This free app features exciting tools like Zelle®, a fast, safe and easy way to send money in minutes1, and Debit Card Controls, which puts you in control of where, when, and how your debit card is used.
Download Flagstar Mobile to bank on-the-go or from the comfort of your home.


- View checking and savings account balances, activity, check images 
- Transfer money to Flagstar or external accounts 
- Set Debit Card Controls to block and unblock a card
 -Use Zelle® to send money in minutes* to your friends and family 
- Pay bills easily with Bill Pay 
- Find Branches and ATMs
- Deposit checks using your mobile device**
- Get your balance instantly without logging in


Log in using the same username and password you use for Flagstar Online Banking or set up Touch ID® or Face ID®*** to make it even easier. All transactions are protected through encryption, Transport Layer Security (TLS), and real-time authentication.


Disclosure


Flagstar Mobile is for use with Flagstar Bank accounts.


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


*Must have a bank account in the U.S. to use Zelle. Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Data charges may apply. Check with your mobile phone carrier for details.

**Not all devices may be supported. Customer eligibility required. Personal customer checking and savings accounts only. Must be an active personal online banking user. Must be customer for a minimum of two business days. Accounts must be in good standing.

***Face ID, iPhone and Touch ID are registered trademarks of Apple, Inc. Face ID is available with iPhone X only.

## Key features

- View account balances and activity
- Transfer funds between accounts
- Send money with Zelle
- Control debit card usage
- Mobile check deposit
- Bill Pay functionality
- Find branches and ATMs

## What do users think of Flagstar Mobile?

Overall sentiment: negative

**Pros**

- 🚀 Fast and easy to use
- 💡 Convenient mobile deposit feature
- 👍 Friendly and helpful customer service

**Cons**

- 🐛 Navigation issues and bugs
- 🔒 Touch ID and login problems
- 🔍 Lack of mortgage account support
- ⏱️ Slow response times and freezes

**Commonly reported bugs**

- Unexpected errors and login failures
- Freezing and unresponsiveness
- Incompatibility with certain devices

**Most requested features**

- Add support for mortgage accounts
- Improve login and biometric authentication
- Enhance navigation and user interface

## Recent user reviews (10 of 60)

All indexed reviews: https://appshunter.io/ios/app/flagstar-mobile/id1441320893/reviews.md

### 3/5 — Navigation is off, Touch ID doesn’t work to login

*2023-11-24*

Overall the app isn’t bad. It just gets frustrating when I want to search my account for expenses (Account Activity layout) and when I hit search it gets me to the messages page. Every time. Also, my Touch ID stopped working for some reason and I can’t get it to work or find the settings. The description to activate it in the app needs to be updated.

### 1/5 — Adding to lack of mortgage account support

*2023-09-21*

Didn’t know the App does not allow for accounts that are mortgage only. not a show stopper as browser seems to work & thus can be paid accordingly though site. But it seems to reflect a lack of Sr IT leadership vision cohesiveness & customer experience. Yes, one missing account type (mortgage)showing this. It’s not an unknown limitation, it’s a purposeful decision on the design. This is not a difficult addition, but was specifically chosen to not be included. Now is a good time to add it. the website has the info. get the App to pull the same.

### 5/5 — First Time Success

*2023-08-14*

I ran out to the bank and it was closed. Tried to deposit check through the ATM and it was rejected. I remember the commercial about deposit check by telephone and contacted customer service to walk me through it and it was a success. I was saved a trip from going to the bank again in the rain on tomorrow, a flood has been predicted. Thanks for the service.

### 1/5 — Mobile app stinks

*2023-07-05*

Flagstar bank is the *only* financial institution I would rank less than 4, which emboldens me to assert that the mobile stinks and furthermore the website is difficult.  I have 4 investment properties and have been managing them for 20 years, so I N a seasoned pro at this, and I cannot log in to flagstar mobile- every time in says my password or user id are not recognized.  

I manage to log into the website, but only from my office desktop.  I had to reset the password from my laptop and managed to pay the mortgage while traveling, and when I tried to log in after trying the mobile app., the website stated that I had too many failed log ins and need to reset my password.  

So, I would avoid the mobile app, and wish flagstar would transfer the servicing of my mortgage to another company.

### 1/5 — Web 1.0 response times in a web 3.0 world.

*2023-06-29*

Have you ever wanted an app that doesn’t respond to anything you do for several minutes? Ever dreamed of an app where you press the button five times before it hints to you that it’ll ever compute what you’re trying to accomplish? Have you ever watched your friends check their bank account on their phone and thought “wow, I would honestly change my bank just to have a UI experience as easy as theirs?” Look no further, Flagstar’s got you covered.

### 3/5 — Can’t sign in

*2023-06-16*

I have been having a lot of trouble signing in with the new app. I had never had any issues with the previous app, but this one is slow and also when I try to sign in a message pops up saying I can’t sign in right now, to try later; but that has happened for weeks now. There must be a glitch hopefully they fix it soon! Otherwise I really like the app, it’s very convenient!

### 5/5 — Oh my goodness this app changed my life

*2023-06-10*

I cannot explain in words the profound impact this app has made on everyone who uses it. As soon as you download it a bank teller will be on to help you whenever you open the app. They are also there to just listen to you, they pretty much double as a therapist.

### 2/5 — NOT User Friendly

*2023-06-09*

Ever since Flagstar has updated their app, I’ve had almost nothing but trouble. This app is a pain in the *** (for lack of a better term). 
Majority of the time, I struggle for at least 30 mins to login, have to change my password almost every time and have even had to call customer support to get back into my account when it locked me out after so many attempts. 
Half the time, the app would freeze and not even let me try to login, other times it was because of the ridiculous new set of guidelines around password setup and security. For example….if your password isn’t something like GrandmaSugarbum@34mmmbop27hubub or the like, this app doesn’t allow you in…..and who’s ever going to remember a password like that anyway!? 
As well as password issues, I’ve wanted to setup the Face ID on my app for some time now because then I wouldn’t even have this issue; but nooo. Face ID is now only available for iPhone X?! So because I have an iPhone 12, I don’t get to login easily, I have to struggle every time I want my balance? Thanks a lot Flagstar and developers. I’m not impressed; go check yourself.

### 1/5 — Worst update ever

*2023-05-22*

This new update has made it slower and more complicated to use. It's to busy for a mobile app. And I have to go through the App Store and update every time I need to log in which is another problem. I can't set up face recognition nor was I able to log in. It has been nothing but issues they need to go back the way it was. This is way to busy! To east to make a mistake when you are in a hurry because of all the info and extra steps you need to do. Not at all a fan..

### 2/5 — Slow

*2023-04-25*

It doesn’t seem to matter where I am or what device I am using that the app is very slow and some time times out. It is very frustrating to do a deposit online there at times. I also get messages that states that the app is unavailable. I have apps for Bank of America in Michigan first credit union they move with lightning speed. I am hoping that their supposable upgrade makes a difference. I just made a deposit with my cell phone and thought for a moment it was going to time out. It spooled for quite a while longer than Bank of America app that I also made a mobile deposit a few minutes before.

## Frequently asked questions about Flagstar Mobile

### What can I do with the Flagstar Mobile app?

The app allows you to view checking and savings account balances and activity, transfer money between Flagstar or external accounts, send money with Zelle, pay bills, deposit checks, and find branches and ATMs. You can also set controls for your debit card, such as blocking and unblocking it.

### Is the Flagstar Mobile app free to use?

Yes, the Flagstar Mobile app is free to download and use. It is designed to provide convenient banking services without any additional cost to the user.

### How does Zelle work within the app?

Zelle is integrated into the app for fast, safe, and easy money transfers. You can send money in minutes to friends and family who also have a bank account in the U.S. Transactions between enrolled Zelle users typically occur in minutes, though it may take longer if the recipient is not yet enrolled.

### What security features are in place?

All transactions are protected through encryption, Transport Layer Security (TLS), and real-time authentication. You can log in using your existing Flagstar Online Banking credentials or set up Touch ID or Face ID for easier access.

### What are the requirements for using the mobile check deposit feature?

Mobile check deposit is available for personal customer checking and savings accounts. You must be an active personal online banking user, a customer for at least two business days, and your accounts must be in good standing. Not all devices may be supported.

## Version history (last 2 releases)

### 2.0.3 (2) — 2023-04-20

Bug fixes and improvements.

### 2.0.1 — 2022-01-13

Bug fixes and improvements

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## More apps by Flagstar Bank,FSB

- [Flagstar Private Mobile Bkg](https://appshunter.io/ios/app/flagstar-private-mobile-bkg/id981716003)
- [Flagstar Bank for iPhone](https://appshunter.io/ios/app/flagstar-bank-for-iphone/id1038560275)
- [Flagstar Bank for iPad](https://appshunter.io/ios/app/flagstar-bank-for-ipad/id1038566967)
- [Desert Community Bank for iPad](https://appshunter.io/ios/app/desert-community-bank-for-ipad/id1358009512)
- [Desert Community Bank App](https://appshunter.io/ios/app/desert-community-bank-app/id1358030698)

All apps by Flagstar Bank,FSB: https://appshunter.io/developer/480052052

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*