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    PinnaclePlus Checking »

    Pinnacle Checking »

    Choice Checking »

    First Niagara Simple Checking »

    StudentFirstTM Checking »

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    Top Features
    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 balance
    or
    $50,000 in average combined balances3
    $1,000 minimum daily balance
    or
    $25,000 in average combined balances3
    $300 minimum daily balance
    or
    $5,000 in average combined balances3
    or
    Direct Deposit
    or
    10 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 statement cycle. $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)
    $5.00
    monthly 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 Unlimited Unlimited Unlimited First five checks paid from your account per month at no charge, $.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
           
    Promotional Money Market rates available
         
    Discounts on loans and lines of credit (excluding mortgage)6
         
    No fee for Annual Financial Checkup
         
    Debit Card Rewards
     
    MasterCard® Debit Card benefits:7
    Learn More

    Apple Pay
    MasterCard Zero Liability
    Identity Theft Resolution Services
    Price Protection
    Extended Warranty
     
      Product Details Product Details Product Details Product Details Product Details

    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.

    2StudentFirstTM 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 products and services are offered on the premises of First Niagara branches by LPL Financial LLC, a registered broker/dealer and registered investment advisor, Member FINRA/SIPC. Insurance products are offered on the premises of First Niagara branches by LPL Financial LLC or its licensed affiliates. First Niagara Investment Services is the delivery and distribution channel for investment and insurance products and services offered by LPL Financial LLC on the premises of First Niagara branches. First Niagara Bank, N.A. and First Niagara Investment Services are not registered broker/dealers or investment advisors, nor are they affiliated with LPL Financial LLC.

    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.

    StudentFirstTM is a trademark of First Niagara Financial Group, Inc.

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