• PinnaclePlus Checking

    Loaded with features and ways to save, PinnaclePlus has it all.

  • Get
    $100  
    for opening an account with qualified direct deposits. (details)*  
    Open Account
     
  • Is PinnaclePlus Checking right for you?

    PinnaclePlus adds even more free services (unlimited free wire transfers, stop payments and bonus money market rates) to our Pinnacle Checking account. Like Pinnacle Checking, PinnaclePlus includes unlimited free ATM transactions in the U.S.  This includes unlimited rebates of other banks' surcharges.2

    With PinnaclePlus, you will never pay a monthly service fee if you keep at least $50,000 in combined balances in deposits, consumer loans (excluding mortgages), credit cards balances and investments1 with us — or if you are able to maintain a daily minimum balance of at least $5,000. 

    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 the PinnaclePlus Checking options you want

    Pinnacle offers several optional features to enhance your banking experience.

    When you set up your account, you can enroll in our eStatement service and receive an email alert notifying you when your monthly statement is available within our Online Banking service. In addition to providing access to 24 months of statements, Online Banking, allows you the capabilities to monitor and manage your account 24 hours a day 7 days a week anywhere you have an internet connection. 

    Online Bill Pay streamlines your life even more. Set up regularly scheduled payments for monthly bills — and one-time payments for everything else. Payments are sent automatically on whatever date you choose — and you can change or stop them at any time. Learn more about Bill Pay.

    Mistakes happen. That’s why there’s optional Overdraft Protection (restrictions and fees apply) available on this account. It can give you added peace of mind for in the event of accidental overdrafts. And remember, with PinnaclePlus checking any overdraft transfer from another First Niagara deposit account is free, subject to applicable transaction limitations. Find out more about Overdraft Protection.

    Sometimes you just need to write a check. If you prefer to use traditional paper checks, you'll enjoy unlimited orders of Pinnacle-style checks and 50 percent off all other check styles.

    Enjoy all the benefits of PinnaclePlus Checking.

    Pay no ATM fees anywhere in the U.S.2 — and save on a wide range of banking services — when you select PinnaclePlus, a privileged account for our most valuable customers.

    Your other great benefits include:

    • With your Debit MasterCard® and Apple Pay™, you can pay participating retailers securely with just one touch
    • Free First Niagara Pinnacle-style checks and 50 percent off all other check styles
    • Earns interest
    • Exclusive rates on your connected PinnaclePlus Money Market
    • Annual fee waiver on Pinnacle WORLD and Pinnacle Platinum credit cards (See Terms and Conditions).3
    • A discount of .50% on loans and lines of credit (excluding mortgages) with autopay
    • Free annual financial check-up
    • Free First Niagara Mobile Banking app with Mobile Check Deposit (available to eligible customers)
    • Up to $30 a year off safe deposit box rental with autopay
    • Optional overdraft protection (restrictions and fees apply)
    • Free overdraft transfers from savings
    • Free wire transfers
    • Free stop payments

    Learn about PinnaclePlus Checking terms and conditions

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

    • In order to pay no monthly service fee on your Pinnacle Checking Account, you must maintain a minimum daily balance of $5,000, or a combined balance of at least $50,000 in deposits, loans (excluding mortgages), credit cards and investment1 accounts.
    • Each month that you are unable to maintain either of these balances, you will be charged a $25 fee.
    • Using any of the ATMs in the U.S. is free, and we will reimburse the cost of using other U.S. ATMs outside of our network. Rebates are credited to your account at the end of each statement cycle.
    • First Niagara charges $5 for use of International ATMs and surcharges may apply for non-First Niagara ATMs outside of the United States and Canada, which are not rebated.

    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.
  • Account Rates

    Balance APY
    > $1 0.010%
    > $5k 0.010%
    > $10k 0.010%
    > $25k 0.010%
    > $100k 0.010%
  • Access your accounts 24/7 with convenient Online Banking and Mobile Banking.

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1Securities and investment advisory services are offered through LPL Financial, member FINRA/SIPC and an SEC Registered Investment Advisor. First Niagara Bank, N.A. and First Niagara Investment Services are not registered broker/dealers, are not affiliated with LPL Financial and do not offer tax advice. Please consult a tax advisor.


2Rebates are credited to your account at the end of each statement cycle. First Niagara charges $5 for use of International ATMs and surcharges may apply for non-First Niagara ATMs outside of the United States and Canada, which are not rebated.


3Loan products subject to credit approval.

*$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 6/30/2015, 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 1/3/15, 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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