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

    Our second child means a second savings account.

    I need a credit card that works as hard as I do.

    I'm tired of paying ATM fees.

    Moving boxes are open. Next, a checking account.

  • 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
    As high as 0.010% APR
    Rate Details
  • Savings

    Savings & Certificate of Deposits

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

    Savings as high as 0.200% Annual Percentage Yield (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
    As low as 10.24% APR  Rate Details
  • 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

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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.


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