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  • Cash Management Services

    You’re committed to serving the community. So are we. Improve your treasury unit’s ability to effectively manage financial operations with a wide range of cash management solutions.
  • Automated Clearing House (ACH) Services
    Reduce the time and money spent on originating and collecting payments. ACH payments can be automated and processed through Online Banking, direct sendings, Web initiated, or through a municipality’s service provider. 

    • Payroll Direct Deposit to any banks 
    • Tax and withholding payments 
    • Utility or other recurring payment collections 
    • Vendor payments 

    Automated Account Reconciliation
    Save time and eliminate monthly account balancing of high-volume disbursement accounts. With automatic account reconciliation, receive detailed month-end reports on checks issued and paid and reconcile balances of corresponding disbursement accounts, all with the ease of Online Banking.  Also features electronic images of paid checks.      

    Check Positive Pay
    Avoid fraudulent checks from being paid against high volume government accounts.  Daily reporting of unissued checks alerts your accounting office of a decision to return unauthorized drafts.  Access through Online Banking provides easy review and reporting directly with the Bank.   

    ACH Positive Pay and Debit Blocking
    Prevent unauthorized electronic transactions from posting to government accounts.  Daily alerts and notifications of incoming ACH debits and credits help identify and return unauthorized items.  Establishing a debit block will prevent any further access to accounts by electronic transactions.  Fraud prevention tools have ease of access through Online Banking. 

    Cash Concentration
    Government funds in separate accounts have more earning potential when concentrated into multi-fund accounts.  Cash concentration services sweep end-of-day balances from zero-balance accounts tied to master fund accounts automatically to ensure earnings at the highest interest or earnings credit rates. Online reporting services, available through Online Banking, make managing transactions and balance reconcilement easy. 

    Lockbox Tax Collection Services
    Meet local needs and reduce costs with town, city, county and school district tax collection programs. Automated image lockbox services offer secure payment processing with file download for posting payments to government software systems. Reasonably priced to reduce the cost of government services. 

    Wire Transfer Services
    Process secure, same-day or scheduled wire transfers of funds through our Online Banking service. With real-time service, wire transfers can be initiated individually, recurring or through pre-approved draw-downs. Enhanced security protection is provided to prevent unauthorized wire access to government accounts. 

    Remote Deposit Programs
    Conveniently process receivables with the ability to scan and deposit checks through a remote-capture system. Remote Deposit processes receivables on a timely basis and automatically updates deposit accounts by the end of the business day. Save time with the ability to schedule after-hours deposits for the next business day without a trip to a local banking center.

Certain products require credit approval; additional terms and conditions apply; fees may apply; First Niagara does not provide accounting, tax or legal advice.

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