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Home » Checking Accounts

"SimplyPlus Checking" fromFlagstar Bank

  • Website
  • 800-642-0039

The Basics

Minimum Opening Deposit A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee The Monthly Service Fee of $10.00 can be waived by:- Maintaining an average daily balance of $1,000.00;- Maintaining an combined average daily balance of $5,000.00.-If Primary Owner is 50 years old or older.
$10.00
Annual Percentage Yield (APY) The account earns 0.01% interest @ $0.00 0.02% @ $1,000.00
up to 0.02%%

Debit Cards & Using ATMs

Debit Card
$0.00/yr
Surcharge-Free ATM Access ATM access to over 55,000 ATMs in the Flagstar, Allpoint, and Presto! networks in all 50 states.
Yes
Non-affiliated ATM Usage Fee There is a $2.50 fee each time you use a non-affiliated ATM. This fee can be waived two times per statement cycle.
$2.50/per use
International ATM Usage Fee There is a $2.50 fee for using an out of network ATM
$2.50/per use

Electronic & Telephone Banking

Online Bill Pay
Free
Mobile & Text Banking This institution supports:- A text messaging service to view account balances, pay bills;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments PopMoney-free for standard 3 day delivery, $1.00 for a next day transfer
Free
Email Alerts This Email Alert feature enables you to receive:- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free

Checks & Statements

Unlimited Check Writing
Yes
Free or Discounted Checks Free box of custom checks or 50% off any other check style(once per year) for customers aged 50+
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images Images of canceled checks can be viewed online for 6 months.
Yes

Overdrawing the Account

Returned Item Fee
$36.00/per item
Overdraft Protection This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $10.00 plus interest. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
Available

How We Get Our Information

We conduct our own research for all the institutions listed.

Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.

All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.

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