• Choice Checking

    All the flexibility you need with features and options to match your life

  • Find out if Choice Checking is right for you

    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:

    • Maintain Direct Deposit
    • Complete 10 point-of-sale purchase transactions (per billing cycle)
    • Maintain a daily minimum balance of at least $300
    • Maintain at least $5,000 combined  balances in deposits or loans (excludes mortgages and credit card balances)

    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?

    Select your Choice Checking options

    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.

    Discover the benefits of Choice Checking

    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: 

    • Free 1st order of standard checks
    • Discount of 0.25% on loans and lines of credit, with autopay (excludes credit cards and mortgages)
    • Free First Niagara Mobile Banking app with Mobile Check Deposit (available to eligible customers)
    • Choice of monthly eStatement or mailed paper statement
    • Free access to any First Niagara ATM

    Understand Choice Checking terms and conditions

    We want to help you understand the details of your account. So remember:

    • Your first two non-First Niagara ATM transactions in the U.S. and Canada per statement cycle are free. 
    • The two free transactions per statement cycle excludes international ATMs.  
    • After the first two, we charge $2.50 for each transaction made at an ATM in the U.S. or Canada that does not belong to First Niagara and $5 for ATM usage outside the US and Canada. 
    • You may be charged a terminal fee or surcharge by another bank when using your First Niagara ATM card or Debit MasterCard® at their ATM. 
    • ATM surcharges from other banks are not rebated with Choice Checking. 

    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

    How do I open these files?

  • Open in 15 minutes or less with our secure application.
  • Access your accounts 24/7 with convenient Online Banking and Mobile Banking.

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    Get great offers. Automatic savings. Nothing to clip, print or redeem. Just swipe and save.

1ATM surcharges from other banks are not rebated. Two free per statement cycle excludes international ATMs.


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