Toll-free · Mon-Fri 7:30am-8pm, Sat 7:30am-4pm EST · Ignore prompts and you will be put on hold to the next available customer service person. · · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Flagstar Bank below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Flagstar Bank phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press 1, then 2, then 1
Below are some clips we've found from Flagstar Bank's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Welcome to Flagstar Bank.
Where we put the power of the human interest rate to work for our customers every day.
There's a new energy coming to Flagstar on February twentieth.
Press one if you have any questions about what you can expect.
Otherwise, stay on the line to continue to our automated phone system.
Please note, our office will be closed on Monday, January fifteenth.
In observance of Martin Luther King Junior Day.
For banking account information, including balance inquiries, transaction review, or to order checks, press one."
Excerpt from a call with Flagstar Bank
Friday, January 12, 2024 4:33 PM
The first phone menu
"Welcome to Flagstar.
Let's align the stars.
Please be advised that in observance of Veterans Day, our office will be closed Monday, November eleventh.
To transfer funds between accounts or to make loan payments, press five.
For treasury management or commercial lending, press six.
For new banking products, wealth services, or loan information, press seven.
For merchant funds verification, press eight.
To repeat this information, press pound.
To speak with a customer service representative, press zero.
For banking account information, including balance inquiries, transaction review, or to order checks, press one.
For card services, including PIN resets, card activation, to file a dispute, or to report a lost or stolen card, or to change your IVR access code, press two."
Excerpt from a call with Flagstar Bank
Monday, November 11, 2024 12:31 AM
What are the hours and when should I call?
Flagstar Bank operates the call center for this 800-642-0039 phone number 24 hours, 7 days.The short answer is that you should call on a Wednesday.This observation and the following section are based on analysis of a sample set of 159 calls made in the last 90 days using our free, web-based phone (see above).
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the Flagstar Bank call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Flagstar Bank phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Flagstar Bank staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Flagstar Bank is Wednesday.The most busy day to call is Tuesday, which averages 450% more phone calls by comparison.Again, this is based on a sample of 159 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Mon
Tue
Busiest
Wed
Quietest
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Monday.The longest wait in the queue on average occurs on Friday.
In summation, the best day to call Flagstar Bank is Wednesday.This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Flagstar Bank staffs the call center well on Wednesday.
Why Customers Call Flagstar Bank
If you have time to do a bit of reading before you call Flagstar Bank, we recommend you read over some of our problem-specific articles.
Flagstar Bank offers a wide range of accounts tailored to meet a variety of financial needs. They offer personal banking accounts, including checking accounts that provide convenient access to funds, savings accounts that help individuals grow their savings with competitive interest rates, and money market accounts for those seeking higher interest-earning potential. Flagstar Bank also offers certificate of deposit (CD) accounts for customers looking to invest their funds for a specific term, as well as individual retirement accounts (IRAs) to help individuals save for retirement with potential tax advantages. Furthermore, Flagstar Bank offers business banking accounts, such as business checking accounts with flexible features, savings accounts for businesses to grow their excess funds, and business money market accounts.
Flagstar Bank offers competitive interest rates for their savings accounts. The exact rates vary based on the type of savings account and prevailing market conditions. To provide customers with specific interest rates for their savings accounts, Flagstar Bank encourages them to contact their nearest branch, visit their official website, or speak to a representative from their customer service team. By doing so, customers can receive up-to-date and accurate information about the interest rates offered by Flagstar Bank. Whether you are looking to save for short-term or long-term goals, Flagstar Bank's savings accounts provide opportunities to earn competitive interest rates while securely growing your savings. Contact Flagstar Bank today for more information on their current interest rates for savings accounts.
Yes, you can transfer funds between Flagstar Bank accounts easily. Flagstar Bank offers various convenient and efficient methods to transfer funds between your accounts. You can use their online banking platform or mobile app to initiate transfers quickly and securely. Simply log in to your account, select the transfer option, choose the accounts you want to transfer funds between, enter the transfer amount, and confirm the transaction. Additionally, you can also initiate transfers by visiting a Flagstar Bank branch and speaking with a representative who will assist you in transferring funds between your accounts. Flagstar Bank provides these convenient transfer options to ensure you have control over your finances and can easily move funds as needed between your accounts.
Click the link above to get answers to just about any Flagstar Bank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Flagstar Bank, and their purpose. Are any of these similar to the reason you are trying to call?
Make payment: "I need to make a payment and speak with customer service."
- From a call lasting 4m 23s , Jul 1, 2024 5:55 PM
Making HELOC payment: "I want to make a payment on the HELOC."
- From a call lasting 20m , Jul 1, 2024 5:31 PM
Payment address issue: "I paid Flagstar, but Aqua Finance claims they didn't receive the payment due to address change."
- From a call lasting 18m 6s , Jun 25, 2024 8:47 PM
Card activation issue: "I've been trying to activate my card, and I'm having a bit of a hard time."
- From a call lasting 3m 32s , Jun 18, 2024 8:24 PM
Inquiry about received check: "I received a check from Flagstar Bank and I have a question about it."
- From a call lasting 4m , Jun 11, 2024 12:07 PM
Forgot account number: "I do not remember my account number."
- From a call lasting 1m 31s , May 10, 2024 11:29 AM
Checking on loan paperwork: "I need to find out what she's checking on and it's like lost paperwork and I don't wanna put anything in jeopardy because this is my home."
- From a call lasting 28m 25s , May 3, 2024 9:40 PM
Information about why customers call Flagstar Bank is extracted from issues that customers have reported to GetHuman.
As a last, sometimes only, resort- Flagstar Bank customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Flagstar Bank's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Flagstar Bank agent. This phone number is Flagstar Bank's best phone number because 996 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-642-0039 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call Flagstar Bank first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Flagstar Bank has 2 phone numbers. It's not always clear what is the best way to talk to Flagstar Bank representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Flagstar Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Flagstar Bank. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.