• Pinnacle Checking

    Enjoy preferred checking packed with extra features you deserve

  • Get
    $100  
    for opening an account with qualified direct deposits. (details)*  
    Open Account
     
  • Find out if Pinnacle Checking is right for you

    Pinnacle Checking offers unlimited non-First Niagara ATM transactions in the U.S., including unlimited rebates of these other banks' surcharges. So if you travel often or prefer to run to the closest convenience store, Pinnacle Checking saves you time and money.

    Plus, there’s no monthly service fee if you have at least $25,000 in combined balances in deposits, consumer loans (excluding mortgages), credit card balances, and investments1 with us, or if you are able to maintain a daily minimum balance of at least $1,000.

    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?

    Choose your Pinnacle Checking options

    Let’s talk convenience and peace of mind. Pinnacle has lots of ways to help you bank around your busy life.

    Overdraft Protection: Add overdraft protection to your Pinnacle account in case an accidental need occurs (restrictions and fees may apply). Complete list of Overdraft Protection options

    eStatements & Online Banking: Sign up for eStatements and avoid a cluttered desk. You’ll get an email alert whenever your statement is ready to view online. Access up to 24 months of eStatements through our Online Banking service, and monitor and manage your account 24 hours a day 7 days a week.

    Free Bill Pay: Save stamps and time when you set up regularly scheduled payments for monthly bills — and one-time payments for other goods and services. Each payment will be sent automatically on the date you choose. Learn more about Online Bill Pay.

    Checks: 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.

    Discover the benefits of Pinnacle Checking

    With Pinnacle Checking All 425,000 ATMs in the US are free, period. When you can’t make it to one of our branches or use one of our convenient ATMs, you’ll enjoy full reimbursement of other banks’ ATM fees across the nation.

    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
    • Earn interest
    • Provides a discount of .50% on loans and lines of credit with (excluding mortgages) autopay
    • Annual fee waiver on Pinnacle Platinum credit card (See Terms and Conditions).3
    • Earn competitive rates on connected Pinnacle Money Market
    • Free First Niagara Mobile Banking app with Mobile Check Deposit (available to eligible customers)
    • Free money orders
    • Free annual financial check-up
    • Up to $30 a year off safe deposit box rental with autopay
    • Optional Overdraft Protection (restrictions and fees apply)

    It’s an easy way to simplify your banking and earn more benefits by consolidating your accounts. 

    Understand Pinnacle Checking terms and conditions

    We want to help ensure you understand the details of your account. So keep in mind that: 

    • In order to pay no monthly service fee on your Pinnacle Checking Account, you must maintain a minimum daily balance of $1,000, or a combined balance of at least $25,000 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 $15 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.

    You can review complete details of this account in our Retail Account Disclosure Booklet

  • Open in 15 minutes or less with our secure application.
  • Account Rates

    Balance APY
    > $1 0.010%
    > $3k 0.010%
    > $10k 0.010%
    > $100k 0.010%
  • Access your accounts 24/7 with convenient Online Banking and Mobile Banking.

    Debit Card Rewards

    Get great offers. Automatic savings. Nothing to clip, print or redeem. Just swipe and save.
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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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MasterCard is a registered trademark of MasterCard International Incorporated.
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Save smarter with a Pinnacle Money Market Account

Set something aside for the future and enjoy even more benefits and flexibility when you link your Pinnacle Money Market Account with Pinnacle Checking.