• Pinnacle and PinnaclePlus Money Market Savings

    Get the higher return you deserve with a Money Market Savings Account.

  • Open in 15 minutes or less with our secure application.
  • Find out if a Pinnacle or PinnaclePlus Money Market account is right for you

    It’s one of the fastest ways to grow your liquid savings. With a Money Market Savings account, you can access your money, so it’s not locked up in a long-term investment. Yet you still earn at more competitive rates than a typical savings account. The larger your balance, the higher your rate.

    With our Pinnacle Money Market or PinnaclePlus Money Market, you’ll pay no monthly fees just by maintaining an average daily balance of $5,000 in your account and following a few simple rules about transactions.

    Customers with our PinnaclePlus Checking are eligible for a Bonus Rate1 when they also have a PinnaclePlus Money Market.

    Retail Account Disclosure Booklet

    How do I open these files?

    Choose your Money Market options

    Link your Money Market account to a checking account and you can access your Money Market from a debit card.

    Watch your savings grow faster with optional automatic deposits. Just set them up and we’ll take care of the rest. You can stop or change them at any time.

    Discover the benefits of Money Market

    With Money Market Savings, it’s all about the tiered rates. The higher your balance, the better your rate and the faster your money grows. Yet unlike other investments, you enjoy greater access to your funds.

    • Earn higher rates for larger balances 
    • PinnaclePlus Money Market customers will enjoy a Bonus Rate1 on balances over $500 when you also hold a PinnaclePlus Checking account
    • Manage your account with convenient online banking

    Understand Money Market terms and conditions

    We want to make sure you understand the details. So keep in mind, you must have an average daily balance of $5,000 in your account to avoid monthly service charges. For Pinnacle Money Market, there is a $25 charge if your average daily balance falls below $5,000. For PinnaclePlus customers, the charge is $5.

    According to federal law, Money Market accounts can have no more than six transfers (either to other First Niagara accounts or to a third party) per statement cycle by means of:

    • Pre-authorized or automatic transfer
    • Telephone or internet agreement, order or instruction
    • Check, draft or similar order made payable to third parties
    • Purchase transaction using a First Niagara Bank debit card (ATM Card or Debit MasterCard®)

    Cash withdrawals made at an ATM are not counted as part of the transaction limit.

    A $15 service fee will be charged for each transfer or cleared item in excess of these limits during the statement cycle. Please be warned that federal regulations state that exceeding these limits may cause you to lose the transfer and check writing feature of this account.

    If you perform a transaction at a non-First Niagara ATM in the United States or Canada, we will charge you a $2.50 fee. For ATMs outside of the United States and Canada our fee is $5.

  • Account Rates

    Balance APY Relationship APY
    > $500 0.050% 0.100%
    > $5k 0.100% 0.150%
    > $25k 0.150% 0.200%
    > $50k 0.150% 0.200%
    > $100k 0.200% 0.250%
    > $150k 0.200% 0.250%
    > $250k 0.200% 0.250%

    Relatonship APY is for customers with a PinnaclePlus Checking account balance of $1 or more.

  • Access your accounts 24/7 with convenient Online Banking and Mobile Banking.
  • Email us for more information 
    or call us at 1-800-421-0004
  • We're here to help

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1PinnaclePlus accounts can earn two types of interest: regular interest and additional interest. Additional interest is earned only if you also have a PinnaclePlus Checking account with us. All rates are variable and at our discretion, we may change the regular interest rate daily and the additional interest rate each monthly statement period. There is no limitation on the amount in which these interest rates may change. Neither interest rate will be tied to any index and will be set by us at our discretion.


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