• PinnaclePlus Checking

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

  • 10 minutes
    Open in 10 minutes or less with our secure application.
     
  • Is PinnaclePlus Checking right for you?

    PinnaclePlus adds even more services (unlimited wire transfers, stop payments and bonus money market rates) to our Pinnacle Checking account. Like Pinnacle Checking, PinnaclePlus includes unlimited 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
    • First Niagara Pinnacle-style checks at no charge 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
    • Annual financial check-up at no charge
    • 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)
    • Overdraft transfers from savings at no charge
    • Wire transfers at no charge
    • Stop payments at no charge

    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 at no charge, 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 10 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 on the premises of First Niagara branches by LPL Financial LLC, a registered broker/dealer and registered investment advisor, Member FINRA/SIPC. Insurance products are offered on the premises of First Niagara branches by LPL Financial LLC or its licensed affiliates. First Niagara Investment Services is the delivery and distribution channel for investment and insurance products and services offered by LPL Financial LLC on the premises of First Niagara branches. First Niagara Bank, N.A. and First Niagara Investment Services are not registered broker/dealers or investment advisors, not are they affiliated with LPL Financial LLC.


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.

Apple Pay is a trademark of Apple Inc.

MasterCard is a registered trademark of MasterCard International Incorporated.
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