Home/Bank/Personal/Checking Checking Find the account that's right for you. Why are you looking for a new checking account? (Select one option) I'm a student Just coupled up Retired to the area Relocated for work Looking to consolidate Unhappy with my bank Get Started Or explore the features of our checking accounts PinnaclePlus Checking » Open Account Pinnacle Checking » Open Account Choice Checking » Open Account First Niagara Simple Checking » Open Account StudentFirst Checking » Find a branch Top Features Cash bonus for banking with First Niagara with qualifying direct deposits Get$100* Get$100* Get$100* Get$100* Rebate of other banks ATM Surcharge (for ATMs within the United States) Unlimited rebates of other banks' fees and First Niagara fee waivers1 Unlimited rebates of other banks' fees and First Niagara fee waivers1 Five rebates of other banks' fees and unlimited First Niagara fee waivers per month2 Ways to waive the monthly maintenance fee $5,000 minimum daily balanceor$50,000 in average combined balances3 $1,000 minimum daily balanceor$25,000 in average combined balances3 $300 minimum daily balanceor$5,000 in average combined balances3orDirect Depositor10 debit card transactions (per statement cycle) You must deposit at least $.01 per statement cycle4 No monthly maintenance fee Earns Interest ✓ ✓ Apple Pay™ Contactless, one touch payments with your eligible mobile digital device and associated debit card Learn More ✓ ✓ ✓ ✓ ✓ Account Tools Mobile Banking with mobile check deposit and One-Swipe Balance™ ✓ ✓ ✓ ✓ ✓ Online Banking and Bill Pay ✓ ✓ ✓ ✓ ✓ Fee Details First Niagara ATM Usage No Fee No Fee No Fee No Fee No Fee Charge for Non-First Niagara ATM Transactions within the United States and Canada $01 $01 Two transactions included per month. $2.50 thereafter5 $2.50 per usage $02 Monthly Maintenance Fee $25(waived with minimum daily or average combined balance) $15(waived with minimum daily or average combined balance) $9.95(waived with minimum daily or average combined balance or direct deposit or required debit card usage) $5.00monthly maintenance fee (waived if customer deposits at least $0.01 per statement cycle into their account)4 None Monthly Statements No charge for eStatements or paper statements No charge for eStatements or paper statements No charge for eStatements or paper statements, $4 check images with paper No charge for eStatements, $5 paper statements, $4 check images with paper No charge for eStatements, $5 paper statements, $4 check images with paper Check Writing Unlimited Free Unlimited Free Unlimited Free Unlimited Free First five per month free, $.50 per check thereafter Account Terms Retail Account Disclosure Booklet (PDF) At-A-Glance Fees, Terms & Conditions (PDF) At-A-Glance Fees, Terms & Conditions (PDF) At-A-Glance Fees, Terms & Conditions (PDF) At-A-Glance Fees, Terms & Conditions (PDF) At-A-Glance Fees, Terms & Conditions (PDF) Account Benefits Check Discounts No charge for Pinnacle-style checks No charge for Pinnacle-style checks No charge for first order of standard checks No fee for overdraft transfers from linked savings or money market accounts ✓ No fee for cashier's checks, wire transfers and stop payments ✓ Relationship rate for connected money market accounts ✓ ✓ Discounts on loans and lines of credit (excluding mortgage)6 ✓ ✓ No fee for Annual Financial Checkup ✓ ✓ Debit Card Rewards ✓ ✓ ✓ ✓ MasterCard® Debit Card benefits:7Learn MoreApple PayMasterCard Zero LiabilityIdentity Theft Resolution Services Price Protection Extended Warranty ✓ ✓ ✓ ✓ ✓ Product Details Product Details Product Details Product Details Product Details *$100 BONUS (First Niagara Simple Checking, Choice Checking, Pinnacle Checking, and PinnaclePlus Checking Only) To qualify for the $100 cash bonus you must open your new First Niagara Simple Checking, Choice, Pinnacle or PinnaclePlus Checking account online, and within 60 days of account opening you must receive direct deposits totaling $250 or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling $250 or more are made to your account. Account must be open and maintain a positive balance in order to receive the bonus. Promotion available only to customers who open their new account online, is not transferable and cannot be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on one account. Customers must be residents of CT, MA, PA or NY to take advantage of this offer. Not available to Trust or Estate accounts. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS 1099-INT for the year in which the bonus is paid to you. Promotion runs through 3/31/2015, and can be withdrawn at any time. Account must remain open for 180 days to avoid a $25 Early Account Closing fee. All accounts subject to approval and applicable fees. Minimum opening deposit is $50 for First Niagara Simple Checking, Choice and Pinnacle checking and $500 for PinnaclePlus checking. Pinnacle and PinnaclePlus checking are interestbearing accounts. Interest-bearing accounts are variable rate accounts, which means we may change rates at any time. Interest Rates will not be tied to any index but will be set by us at our discretion. There is no limitation on the amount by which Interest Rates may change. As of 9/19/14, Pinnacle and PinnaclePlus accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts. 1Pinnacle and PinnaclePlus Checking accounts include unlimited transactions at U.S. & Canada non-First Niagara ATMs at no charge and unlimited rebates of U.S. non-First Niagara ATM surcharges. Rebates are credited to the account at the end of each statement cycle. International ATM charges may apply for non-First Niagara ATMs outside the U.S. and Canada and are not rebated. 2StudentFirst Checking accounts include unlimited transactions at U.S. & Canada non-First Niagara ATMs at no charge and five (5) rebates of U.S. non-First Niagara ATM surcharges. Rebates are credited to the account at the end of each statement cycle. International ATM charges may apply for non-First Niagara ATMs outside the U.S. and Canada and are not rebated. 3Combined balances for Choice Checking include deposits and consumer loans (excluding mortgages). Combine balances for Pinnacle and PinnaclePlus include deposits and consumer loans (excluding mortgages), credit card balances, and investments. Securities and investment advisory services are offered through LPL Financial, member FINRA/SIPC and an SEC Registered Investment Advisor. First Niagara Bank, N.A. and First Niagara Investment Services are not registered broker/dealers, are not affiliated with LPL Financial and do not offer tax advice. Please consult a tax advisor. 4To avoid the $5.00 monthly maintenance fee, customer’s must deposit at least $0.01 per statement cycle into their account. The following transactions will not be counted towards the monthly maintenance fee waiver; Interest Deposits, Overdraft Sweep/Transfers, Bonus Payments and Error Corrections. 5$2.50 per transaction thereafter at U.S. & Canada non-First Niagara ATMs. Surcharges may be assessed by the ATM owner for transactions at ATMs not owned by First Niagara and are not rebated. International ATM charges may apply for non-First Niagara ATMs outside the U.S. and Canada. 6Loan products subject to credit approval. 7Applies to unauthorized debit transactions reported within 60 days of your statement. Subject to dollar limits and subsequent verification, including providing all requested information supporting fraudulent use claim, that you exercised reasonable care in safeguarding your card from any unauthorized use and have not reported two or more unauthorized events in the past 12 months. Conditions and restrictions apply and is subject to change or termination by MasterCard at any time. For more information, visit http://www.mastercard.us/zero-liability.html. Apple Pay is a trademark of Apple Inc. MasterCard is a registered trademark of MasterCard International Incorporated. One-Swipe Balance™ is a trademark of First Niagara Financial Group, Inc. We're here to help Live chat with one of our customer support specialists. Live chat nowChat offline Need help? 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