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  • Operating and Investing Accounts

    At your service. Government banking and financial services for you

  • Gain from our superior service, community commitment and competitive programs with banking and financial solutions designed specifically for governments and municipalities.   

    Municipal Checking Accounts
    Features automated operating and reconciliation services with online access 

    • Municipal NOW and SUPER NOW Accounts
      Features all the benefits of municipal checking accounts plus daily interest  
    • Municipal Money Market Deposit Accounts 
      Offers liquidity, Online Banking access, plus limited transactions and daily interest 
    • Premium Municipal Money Market Deposit Accounts 
      Offers liquidity with the benefit of higher market rates for greater earnings on reserves or excess balances 
    • Sweep Accounts 
      Offers access to daily sweeps for excess funds through overnight Repurchase Agreements  
    • Certificates of Deposit 
      Terms up to 1-year offer competitive market rates for deposits over $100,000   

    Collateral Services
    Because the safety of public funds is foremost, we provide third-party custody of securities pledged as collateral for all public fund deposits. All collateral provisions meet with eligible securities and guidelines established by state requirements. 

    Municipal Financing
    We offer all types of government financing solutions for bank-qualified, tax-exempt borrowings, including local area government note sales and longer term note series. Public note sale purchases or direct alternative financing by First Niagara help meet the borrowing needs of local governments, school districts, and other public entities.  

    Municipal Equipment Financing
    Through our equipment financing subsidiary, we offer flexible leasing programs that can offer competitive tax-exempt rates and terms needed to meet budgetary limits for essential equipment purchases. Learn more about equipment financing.  

    Find a government banking contact near you. 

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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