Flagstar routing number
Get the Flagstar Bank routing number for all your ACH transfers, wire transfers, and direct deposit needs with detailed fee information.
Last verified June 2026
Flagstar routing number
Use the ACH number for direct deposits and ACH transfers, the wire number for domestic wires, and the SWIFT code for international wires.
More about Flagstar
Flagstar's ACH routing number is 226071004, used for direct deposits, ACH transfers, and domestic wires. SWIFT/BIC: FLGSUS33.
This single routing number works for:
- ACH transfers (both incoming and outgoing)
- Domestic wire transfers
- Direct deposit setup
- Automatic bill payments
- Check orders
- Electronic payments
States Where Flagstar Bank Operates
Flagstar Bank has approximately 340 branch locations across the following states:
Primary Markets:
- New York
- Michigan
- New Jersey
- Ohio
- Indiana
- Wisconsin
- Florida
- California
- Arizona
No matter which state you opened your account in, you will always use routing number 226071004 for all domestic transactions. This consistency makes it easier to set up payments, receive direct deposits, and manage your money without worrying about using the wrong routing number.
Important Note: While Flagstar Bank operates in multiple states, the routing number remains the same regardless of your account location. You can verify this number on the bottom left corner of your Flagstar Bank checks or by logging into your online banking account.
Get it right the first time
A wrong number can bounce a transfer or send it into limbo. Two minutes here saves a week of waiting.
- Using the wire number for an ACH transfer (or vice-versa)
- Transposing a digit; always copy, don’t retype
- Forgetting the SWIFT code on incoming international wires
- Routing numbers are public — your account number is what to protect
- Only share account details over channels you initiated
- Verify new payees by phone before the first transfer
- Watch for invoice-swap scams that change banking details
How to find your account number
The 9-digit number in the lower-left, before your account number.
Sign in, open the account, and view account & routing details.
Printed near your account number in the statement header.
1-888-248-6423, or ask at any Flagstar branch.
FAQs
Common questions about ACH and wires through Flagstar
Why does Flagstar Bank use only one routing number?
Flagstar Bank maintains a single routing number (226071004) for operational simplicity and customer convenience. Unlike banks that have grown through acquiring regional institutions with separate routing systems, Flagstar consolidated its operations under one routing infrastructure. This approach reduces errors in payment processing and makes it easier for customers to remember and use the correct number for all their banking needs.
Can I use the Flagstar Bank routing number for both ACH and wire transfers?
Yes. The routing number 226071004 works for both ACH transfers and domestic wire transfers at Flagstar Bank. This is different from many larger banks that maintain separate routing numbers for different transaction types. However, keep in mind that ACH transfers typically take 1-3 business days to process and have lower fees, while wire transfers are completed the same day but come with higher fees.
What information do I need to provide for incoming wire transfers to my Flagstar Bank account?
For someone to send you a domestic wire transfer, provide them with: (1) Flagstar Bank's routing number - 226071004, (2) Your complete account number, (3) Your name exactly as it appears on the account, (4) The bank name - Flagstar Bank, N.A., and (5) The bank address - 102 Duffy Ave, Hicksville, NY 11801. For international wires, they will also need the SWIFT code FLGSUS33.
How do I find my Flagstar Bank routing number if I don't have checks?
You can find your Flagstar Bank routing number in several ways without checks. Log into your online banking account and look in the account details section. Use the Flagstar Bank mobile app and navigate to your account information. Call Flagstar customer service at 1-888-248-6423 during business hours. Visit any Flagstar Bank branch location with your ID. The routing number will always be 226071004 regardless of which method you use to find it.
Does Flagstar Bank charge different fees for ACH versus wire transfers?
Yes, the fees differ significantly. ACH transfers through Flagstar Bank are typically lower cost or sometimes free depending on your account type and the transaction direction. Domestic wire transfers cost approximately $15 for incoming wires and $30-45 for outgoing wires. International wire transfers have higher fees, typically around $15 for incoming and $45 for outgoing transfers. These fees can impact your business significantly if you make frequent transfers, which is why many businesses choose ACH transfers when same-day processing is not required.
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