• Easy. Check. Simple. Check. Choices. Check

    All the perks you expect with your checking account plus a few more. And all the security you demand

    Available with all of our checking accounts:
  • PS-CoupledUp

    Coupled Up

    PS-Partners

    Partners

    PS-Student

    Students

    PS-ActiveRetired

    Active Retired

    PS-LivingComfortably

    Living Comfortably

    PS-MarriedChildren

    Married With Children

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  • Account Type

    ATM Fees

    Monthly Maintenance Fee

    Opening Deposit

    Key Features

    PinnaclePlus Checking

    Pay no ATM Fees and enjoy unlimited reimbursement of other banks’ ATM fees1
    Keep the minimum balance and we’ll waive the $25 monthly fee
    $500
    • Earn interest up to 0.010% APY
    • Earn interest
    • Earn higher rates on connected money market accounts
    • Free overdraft transfers from linked savings or money market accounts 
    • Free cashiers checks, wire transfers, and stop payments
    • Free annual financial check-up
    • Free First Niagara Pinnacle-style checks
    • Mobile Banking

    Pinnacle Checking

    Pay no ATM Fees and enjoy unlimited reimbursement of other banks’ ATM fees1

    Keep the minimum balance and we’ll waive the $15 monthly fee
    $50
    • Earn interest up to 0.010 % APY
    • Earn interest
    • Discounts on loan and line of credit rates with autopay
    • Free annual financial check-up
    • Free First Niagara Pinnacle-style checks
    • Mobile Banking

    Choice Checking

    No fees at First Niagara ATMs

     

    Two free non-First Niagara ATM transactions per month2
    Several ways to waive the $9.95 monthly fee, including maintaining the minimum balance
    $50
    • Free first order of standard checks
    • Unlimited check writing
    • Choice of paper or electronic statement
    • Mobile Banking

    No fees at First Niagara ATMs

     

     

    $3.00 monthly maintenance fee

     

    $50

    StudentFirst Checking     

    No fees at First Niagara ATMs

    No fees from First Niagara when you use other bank ATMs, plus we’ll  rebate up to five domestic ATM fees charged by other banks1

    None
    $50
    • Available to students 16+
    • Free debit card
    • No minimum balance requirement
    • No monthly maintenance fee
    • Monthly eStatement
    • Mobile Banking

1Rebates are credited to your account at the end of each statement cycle. International ATM surcharges may apply for non-First Niagara ATMs outside of the United States and Canada, which are not rebated.

2ATM surcharges from other banks are not rebated. Two free per statement cycle excludes international ATMs.

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