Mon.-Fri. 6 a.m. - 9 p.m. ET
Sat.-Sun. 8 a.m. - 6 p.m. ET
Automated Telephone Banking:
24 hours a day / 7 days a week
See our schedule of holiday hours.
Simpler is better. Right? First Niagara Simple Checking takes the worry and confusion out of your checking account. Deposit as little as a penny ($.01) each month and you won’t see any monthly maintenance fees.* Bank on the go with our Mobile Banking app - you can deposit checks and pay bills, right from your smartphone. One account that simply does it all!
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?
Within Online Banking, our free Bill Pay service lets you set up regularly scheduled payments for monthly bills – and one-time payments for other goods and services. Learn more about Online Bill Pay.
With Direct Deposit, you can automatically deposit regular sources of income such as a paycheck directly into your First Niagara Simple Checking account. It's an easy way to meet the monthly deposit requirement for the monthly maintenance fee waiver. Learn more about Direct Deposit.
You may want to give yourself added peace of mind in the event of an accidental overdraft with optional overdraft protection (restrictions and fees apply). Learn more about Overdraft Protection.
This First Niagara Simple Checking account has a monthly maintenance fee of $5, which is waived when you deposit $0.01 or more into the account within the given monthly statement cycle.*
Your monthly statement will be available electronically within our Online Banking Service. You will receive an email alert each month when your statement is ready for viewing. If you prefer paper statements, you can opt for them for $5 per month. You can also choose to receive check images with your paper statement for an additional $4.
$2.50 per transaction fee for all transactions at U.S. non-First Niagara ATMs.
$5 per transaction fee for all ATM transactions outside the U.S., including Canada.
$12 per month inactivity fee for accounts with no activity for 6 months and an average balance less than $500.
You can review complete details of this account in our Retail Account Disclosure Booklet
Currently our call and chat representatives are unavailable. If you would like to send us a message below, we work to respond to all messages within 24-48 hours.
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 6/20/15, Pinnacle and PinnaclePlus Checking accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances and First Niagara Companion Savings earns an APY of 0.10% for balances of $200 or greater. Fees may reduce earnings on interest-bearing accounts.
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