• Pinnacle Checking

    Enjoy preferred checking packed with extra features you deserve

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    Open in 10 minutes or less with our secure application.
     
  • 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.

    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 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.

    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
    • 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
    • First Niagara Mobile Banking app with Mobile Check Deposit (available to eligible customers)
    • Money orders at no charge
    • Annual financial check-up at no charge
    • 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 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.

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

  • Open in 10 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 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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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.