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As of December 1, 2022, New York Community Bank and Flagstar Bank joined together to become one bank. Together, we will be able to bring you even more of the tailored solutions you need to succeed, all with a shared customer-first, community-focused approach.

Together we're growing to serve you even better!

Thank you for being our valued customer. We have some exciting news to share: New York Community Bank (NYCB) has joined forces with Flagstar Bank. As a result, New York Community Bank will become a division of Flagstar. We will keep you up to date on our progress and all that we can offer you down the road. Read our press release.
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What does this mean for you?

You’ll still conduct your banking as usual.

Banking in person, over the phone and online using NYCB Mobile and NYCB Online will not change. Continue to use your same NYCB accounts and services. This includes checks, credit and debit cards, and if you maintain an investment account or insurance contract with NYCB's contracted third-party partner, LPL Financial, this change has no effect on your investment accounts or insurance contracts.1

Expect the same great customer service you’ve always received and deserve.

We’ll always put you first and keep providing you with our unparalleled customer service.

Start enjoying great new perks with enhanced products and services

Mortgage Loans:

When it comes to getting a home loan, you have a lot of choices. We can help you sort through your options and find the right home loan for your family and your finances.

Learn About Mortgage Loans

Expanded ATM Network:

Great news! Now you have fee-free2 access to over 56,000 ATMs - New York Community Bank ATMs, Flagstar Bank ATMs and the Allpoint network and Presto! Network. Finding an ATM has never been easier!

Find an ATM near you

Your questions, answered!


This is just the beginning of the journey. We’ll keep you updated on our progress and continued good news.

Like NYCB, Flagstar is first and foremost a community banking organization, with a history of helping individuals, families, and businesses flourish. Together, we can provide even more financial opportunities for the customers and businesses we serve.

Based in Michigan, Flagstar Bank was started in 1987 and has grown to operate 158 branches in Michigan, Indiana, California, Wisconsin, and Ohio. Flagstar is known for their custom, tailor-made financial solutions for customers and businesses alike.

NYCB and Flagstar are strong strategic partners with a similar culture, mission, and approach to service; complementary offerings; a shared commitment to community; and no geographic overlap.

  • The merger will accelerate NYCB’s expansion by providing customers access to a larger branch and ATM network, expanded resources, deepened industry knowledge, and diverse skill sets.
  • We believe that together, with the capabilities and scale of an $85 billion+ bank, we are better positioned to deliver a stronger, more personalized financial experience to our customers, augmented by our technology, while delivering long-term shareholder value. Like NYCB, Flagstar is an award-winning bank and recipient of the America’s Best Banks 2021 award by Forbes.

There is nothing you need to do at this time. Please continue to use your same NYCB accounts and services, including ATMs, credit cards, debit cards, checks, and online and mobile banking platforms. If you maintain an investment account or insurance contract with LPL Financial, this change has no effect on your investment accounts or insurance contracts.1

Customers will have access to an expanded array of benefits and financial expertise once we combine our systems. We look forward to sharing more on those benefits soon. In the meantime, you can now use Allpoint, Pesto! and Flagstar ATM fee-free. Which means fee-free access to more than 56,000 ATMs worldwide!2

No. You will continue to experience the same relationship-based approach to service from the financial professionals you rely on today.

No. Until system conversions are complete, which we anticipate will occur in early 2024, you should continue to conduct banking activity at NYCB branches. As a reminder, effective immediately, you now have access to any Flagstar ATM, fee-free, using your existing NYCB debit card. To find an ATM near you, click here.

We will communicate any changes to your accounts and services well in advance. Please bookmark this page, so you can keep up with the latest updates.

Confirm and, if necessary, update your current contact information, including your name, address, email, or phone number. To make updates, stop by a branch, log into NYCB Online, or call us at (877) 786-6560.

If you are a customer with deposit balances greater than $250,000 combined at both banks, your FDIC insurance coverage may be impacted. Each depositor is insured by the FDIC up to the maximum amount allowed and subject to the FDIC’s rules and regulations. The FDIC’s standard maximum deposit insurance amount (“SMDIA”) of coverage is $250,000 per depositor, per insured bank, for each account ownership category. Your deposits at New York Community Bank will be separately insured from your deposits at Flagstar Bank for at least six months after the merger. This grace period allows you to restructure your accounts, if necessary. Visit for more information.

1 Products and services offered through LPL or its affiliates, which are separate entities from, and not affiliates of, New York Community Bank, a division of Flagstar Bank, N.A.
2 Currency conversion fee may apply to transactions outside the U.S.

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Programs for qualified borrowers. All borrowers are subject to credit approval, underwriting approval, and lender terms and conditions. Programs subject to change without notice. Some restrictions may apply. Not a commitment to lend.