Frequently Asked Questions About Flagstar Bank Routing Numbers
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.
