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
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
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**$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.
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