• A lot More Earning, a lot Less Spending

    Banking is more than just paying bills and saving a few extra dollars for a rainy day. It’s about planning for life – for moments big and small. We’ll be with you every step of the way.
  • I need a credit card that works as hard as I do.

    Moving boxes are open. Next, a checking account.

    Our second child means a second savings account.

    I'm tired of paying ATM fees.

    It’s my son and me. I need to teach him to save.

  • Checking


    • Many ways to earn service fee waivers
    • Options with ATM fee rebates
    • Free access to any of our network ATMs
    • Online Banking
    • Online Bill Pay
    • Debit Card
  • Savings

    Savings & CDs

    • Money Market
    • First Niagara Companion Savings
    • Youth Savings 
    • CDs
    • IRA

    Savings as high as 0.200% Annual Percentage Yield (APY)
    CDs as high as 1.35% APY   
    Rate Details

  • Credit Cards

    Credit Cards

    • Introductory rate on balance transfer available for some card options
    • Reward options earn unlimited points with no set expiration date
    • Options with no foreign transaction fees
  • Health Savings

    Health Savings Account

    • Prepare for out-of-pocket medical costs in a potentially tax-advantaged way
    • Access your funds easily through a debit card
    • Opportunity to avoid monthly fees
  • We're here to help

    Live chat with one of our customer support specialists.
    Need help? Chat with a Customer Service Specialist right now. Request a chatNo thanks

    Contact Us

    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.

    Call center and live chat hours
    Mon. - Fri. 6 a.m. - 9 p.m. ET
    Sat. - Sun. 8 a.m. - 6 p.m. ET
    Contact us by email

    Chat with a Customer Service Specialist

    All fields are required
    Please enter a First Name
    Please enter a Last Name
    Please enter a valid email address
    Email addresses do not match

    Start chat
    To protect your privacy, please do not enter any account related information.

1Pinnacle Checking and PinnaclePlus Checking accounts include unlimited rebates of surcharges for transactions at non-First Niagara ATMs in the U.S. Rebates are credited to your account at the end of each statement cycle. International ATM charges may apply for non-First Niagara ATMs outside of the United States and are not rebated.


Customize Your Experience.

By providing your ZIP code, we can customize our content to display the rates, products, locations and Mortgage Consultants in your area. Alternately, you can continue without ZIP code.