Comparison

Flagstar Mobile Banking vs My MSB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Flagstar Mobile Banking

Manage your finances conveniently from your mobile device. Enroll directly, view balances and transactions, pay bills, send money, and deposit checks. Access credit scores and manage your debit card with ease.

Highlights
  • On-device enrollment
  • Instant Balance
  • Fingerprint/Face ID login
  • Mobile Alerts
  • Bill Pay
  • Send Money with Zelle®
  • Mobile Deposit
  • Card Controls
Features
Read full description

Manage your money on the go with Flagstar Mobile Banking*. ON DEVICE ENROLLMENT: -Enroll for mobile banking and online banking directly from Flagstar Mobile Banking. -Once enrolled, you can use the credentials created to access both online banking and mobile banking. MANAGE YOUR ACCOUNTS: - Instant Balance - No need to even log in. - Fingerprint Login and Face ID - With compatible devices, now logging in has never been easier. - Mobile Alerts - Stay in touch with your finances by using account and security alerts. - Check Account Balances - Manage your accounts with real-time access to balances, transactions, and account activity. - Bill Pay - Pay your bills, view your e-Bills, and schedule payments. - Send Money with Zelle® - Send money to people you know, no matter where they bank.** - Mobile Deposit - Deposit checks easily and securely from anywhere at any time.*** - e-Statements and check images - View your account statements and cleared checks from your phone when it's convenient for you. - My Credit Score - Get instant access to your credit score, credit report, and more. - Card Controls - debit card management and spend tracking functionality. For more information visit us at flagstar.com. Disclosures *Not all devices supported. Available for eligible personal and business deposit account customers only. ** ©2024 Early Warning Services ,LLC. All rights reserved. Zelle® and the Zelle® marks are property of Early Warning Services ,LLC. Eligible U.S. bank account required. ***Not all devices supported. Personal customer checking and savings accounts only. Accounts must be in good standing.

About

My MSB

Aggregate all your financial accounts, including those from other institutions, into a single, up-to-the-minute view. Stay organized and make smarter financial decisions with fast, secure tools to manage your personal finances.

Highlights
  • Multi-account aggregation
  • Transaction history and spending averages
  • Customizable alerts and notifications
  • Add tags, notes, and images to transactions
  • ATM and branch locator
  • Bank-level security with 4-digit passcode
Features
Read full description

The Miners State Bank App is a free mobile decision-support tool that gives you the ability to aggregate all of your financial accounts, including accounts from other financial institutions, into a single, up-to-the-minute view so you can stay organized and make smarter financial decisions. It is fast, secure and makes life easier by empowering you with the tools you need to manage your personal finances. FEATURES Multi-Account Aggregation: View all of your financial information (balances, transaction history, merchant spending averages) in one place for on-the-go organization. Alerts & Notifications: Set alerts for low funds and be notified about upcoming bills. Add Tags, Notes, Images & Geo-Information: By enhancing transactions with custom tags, notes or photos of a receipt or check, you have the ability to stay organized and find exactly what you’re looking for when searching through your finances. Contact: Locate ATMs or branches and contact the Miners State Bank customer service directly from the app. SAFE AND SECURE The app utilizes the same bank-level security that protects you when you’re on Internet Banking. The app also features a unique 4-digit passcode setting that prevents unauthorized access. GETTING STARTED To use the Miners State Bank App, you must be enrolled as a Miners State Bank Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials. After you successfully login to the app, your accounts and transactions will begin updating.

Screenshots

Flagstar Mobile Banking4 screens
My MSB4 screens

Verdict

The call

Flagstar Mobile Banking and My MSB both sit at 4.7 stars, but that hides the real split: 50% of My MSB's written reviews are positive against 22% of Flagstar Mobile Banking's. My MSB also leads on update cadence (monthly vs every 3 months). Flagstar Mobile Banking's advantage is ratings volume (22K vs 163) and iOS requirement (15.0 vs 18.4). On price, rating, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for Flagstar Mobile Banking against 4.8 for My MSB. That said, the two scores are not equally well evidenced: Flagstar Mobile Banking has 22K ratings behind it against 163, so its average is the more settled of the two. Written reviews are what separate them: 22% of Flagstar Mobile Banking's written reviews are positive against 50% of My MSB's.

UpkeepUpdate frequency

Flagstar Mobile Banking ships an update every 3 months, My MSB monthly. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

Scorecard4 real differences · 6 level
Flagstar Mobile Banking versus My MSB: the parameters behind the verdict, then further details
ParameterFlagstar Mobile BankingMy MSB
PriceFreeFree
Rating4.7 (22K ratings)4.8 (163 ratings) — better
Positive reviews21.7% of reviews50.0% of reviews — better
Number of ratings22K — better163
Update frequencyEvery 3 monthsMonthly — better
AdsYesYes
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better18.4
Further details — not scored
Size100 MB153 MB
Age rating4+4+
DeveloperNew York Community BankThe Miners State Bank

Customer experience

Flagstar Mobile Banking

All ratings18,996 ratings
Positive93.6%
Neutral2.0%
Negative4.4%
Written reviews290 reviews
Positive21.7%
Neutral5.2%
Negative73.1%

My MSB

All ratings147 ratings
Positive96.6%
Neutral2.0%
Negative1.4%
Written reviews2 reviews
Positive50.0%
Neutral50.0%
Negative0.0%

Bugs and requests

Flagstar Mobile Banking

Reported bugs

4 issues
  • Login issues and credential validation problems
  • Frequent maintenance and downtime without notice
  • Incompatibility with newer iOS versions
  • Issues with external transfers and mobile deposits

Requested features

5 requests
  • Face ID/Touch ID login
  • Ability to add external accounts
  • More detailed account information and analytics
  • Improved Zelle integration
  • Better notification system for transactions

My MSB

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Flagstar Mobile Banking

No in-app purchases

None

My MSB

No in-app purchases

Questions

Is Flagstar Mobile Banking free?
Flagstar Mobile Banking is free to download, with no in-app purchases.
Is My MSB free?
My MSB is free to download, with no in-app purchases.
Which has better reviews, Flagstar Mobile Banking or My MSB?
My MSB is rated higher. Flagstar Mobile Banking averages 4.7 out of 5 from 22K ratings, while My MSB averages 4.8 from 163 ratings.
Do Flagstar Mobile Banking or My MSB have ads?
Both Flagstar Mobile Banking and My MSB show ads.
Which is updated more often, Flagstar Mobile Banking or My MSB?
Flagstar Mobile Banking ships an update every 3 months, and My MSB monthly. Most recently, Flagstar Mobile Banking was updated on November 6, 2026 and My MSB on November 2, 2026.

Other comparisons