Flagstar Personal Checking

Flagstar's referral program pays a new customer a $200 Visa reward card for opening a personal checking account through a friend's referral link and meeting activity requirements. The referred person must keep the account open 90 days, make 10 or more debit card, bill pay, or Zelle transactions, and receive at least $1,000 in direct deposits within that period.

Eligibility

How to get the Flagstar Personal Checking bonus

1. Register using the referrer's shared referral link.
2. Open a new, eligible Flagstar personal checking account.
3. Maintain an open account status for 90 days.
4. Within 90 days, complete 10+ debit card purchases or bill pay/Zelle payments.
5. Have direct deposits totaling at least $1,000 within 90 days.

The fine print that matters

• The referred person must be a new personal checking account customer of Flagstar Bank.
• If the referred person has previously been paid a cash checking bonus or closed a Flagstar checking account within the last 365 days, they are ineligible.
• Offer is limited to one checking bonus per customer.
• Early account closure fee and reclamation of bonus may apply for accounts closed within 180 days.
• Cannot be combined with other offers or promotions.
• Reward cards may be reported as income to the IRS.
• Please allow 4-6 weeks after completion of requirements for delivery of the Visa reward card.
• Flagstar employees and Flagstar Private Bank clients are not eligible.

Verification and reports

Confirmed against flagstar.com on Aug 1, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.

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Sources: flagstar.com offer page (checked Aug 1, 2026)