Your life changes every day. So you need a checking account that’s flexible enough to keep pace with you — and then some. That’s why Choice Checking delivers the most options to earn free checking with valuable account benefits, including some ATM fee waivers1.
With Choice Checking, the monthly service fee is waived if you meet just one of the following requirements:
See our At-A-Glance Fees, Terms & Conditions (PDF) and the Retail Account Disclosure Booklet (PDF) for more information.
How do I open these files?
Simplify your life and do your banking online. Enroll online for free so you can monitor balances, review your statement, view your check history, and more.
Online Bill Pay can make your life even easier. Set up regularly scheduled payments for monthly bills, and one-time bill payments for anything else. Learn more about Bill Pay.
Let’s face it — overdrafts happen sometimes. That’s why you can choose optional overdraft protection for your account to give you added peace of mind (restrictions and fees apply). Learn more about Overdraft Protection.
Of course all of your First Niagara ATM usage is free. But when you’re in a rush, you may want the choice to use a non-First Niagara ATM. With Choice Checking we’ll waive our fee for using another institution’s ATM in the U.S. or Canada twice per billing cycle. However, you may still be charged an ATM terminal fee or surcharge from the other institutions.1
If you’re interested in unlimited free ATM usage in the U.S. (including rebates of other bank’s fees) check out our Pinnacle Checking Account.
Other benefits you’ll enjoy include:
We want to help you understand the details of your account. So remember:
If you do not meet one of the requirements to maintain free checking, you will be charged a monthly service fee of $9.95.
Overdraft Protection is always optional and subject to additional restrictions and fees.
You can review complete details of this account in our Retail Account Disclosure Booklet
1ATM surcharges from other banks are not rebated. Two free per statement cycle excludes international ATMs.
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