• eChecking

    Keep it all online with our online checking for debit card users

  • Open in 15 minutes or less with our secure application.
  • Find out if eChecking is right for you

    eChecking is an efficient and convenient account. If you already pay your bills online, shop with a debit card and prefer eStatements, this account is an option for the digital age.

    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 eChecking options

    eChecking makes it a snap to keep track of your balance and the status of your account online 24 hours a day, 7 days a week with our Online Banking service.

    Within Online Banking, our free Bill Pay service also lets you set up regularly scheduled payments for monthly bills – and one-time payments for other goods and services. Learn more about Online Bill Pay.

    You may want to give yourself added peace of mind in the event of accidental overdraft with optional overdraft protection (restrictions and fees apply). Learn more about Overdraft Protection.

    Discover the benefits of eChecking

    • Free access to any First Niagara ATM
    • Unlimited check writing
    • Free First Niagara Mobile Banking app with Mobile Check Deposit (available to eligible customers)
    • Monthly eStatement
    • Optional overdraft protection (restrictions and fees apply)

    Understand eChecking terms and conditions

    This eChecking account has a standard monthly maintenance fee of $3.

    Your monthly statement will be available electronically within our Online Banking service. You will receive an email alert each month when your statement is ready for viewing. If you prefer paper statements, you can opt for those for $5 per month along with paper check images for an additional $4 per month.

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

    How do I open these files?

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