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.
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?
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.
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.
With Pinnacle Checking All 425,000 ATMs in the US are at no charge, 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.2
Other great benefits include:
It’s an easy way to simplify your banking and earn more benefits by consolidating your accounts.
We want to help ensure you understand the details of your account. So keep in mind that:
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.
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
Apple Pay is a trademark of Apple Inc.
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