Spend Less and Earn More With Pinnacle Checking

    • Free ATMs in the U.S. — unlimited non-First Niagara ATM transactions, plus unlimited rebates on other banks' surcharges
    • No Monthly Service Fee — with $1,000 minimum daily checking balance, or $25,000 in deposits, loans2 and investments3
    • Free First Niagara Pinnacle-style checks and 50 percent off all other check styles
    • Free Annual Financial Checkup
    • Discount of 0.50% on Loan and Line of Credit, with autopay (excludes mortgages and credit cards)
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    1 Minimum deposit to open an account is $50 for an eChecking, Choice, or Pinnacle account and $500 for PinnaclePlus. eChecking and Choice Checking are not interest-bearing accounts. Pinnacle and PinnaclePlus Checking accounts are interest-bearing accounts. Interest-bearing accounts are variable rate accounts, which means rates may be changed by us at any time. The Interest Rates will not be tied to any index but will be set by us at our discretion. There is no limitation on the amount in which the Interest Rates may change. As of 7/18/12, Pinnacle accounts earn an Annual Percentage Yield (APY) of 0.01% for balances between $0.01 and $99,999.99; and 0.03% APY for balances of $100,000 or more. PinnaclePlus accounts earn an APY of 0.01% for balances between $0.01 and $24,999.99; 0.03% APY for balances $25,000 or more. Fees may reduce earnings on interest-bearing accounts.

    Pinnacle and PinnaclePlus Checking accounts include unlimited free transactions at Domestic (U.S. & Canada) non-First Niagara ATMs and unlimited rebates of Domestic non-First Niagara ATM surcharges. 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. Choice Checking accounts include 2 free transactions at non-First Niagara ATMs per statement cycle and any non-First Niagara ATM surcharges are not rebated.

    2 Excluding mortgage balances for Pinnacle and PinnaclePlus accounts.

    3 Securities and investment advisory services are offered through LPL Financial, member FINRA/SIPC and an SEC Registered Investment Advisor. First Niagara Bank, N.A. and First Niagara Investment Services are not registered broker/dealers, are not affiliated with LPL Financial and do not offer tax advice. Please consult a tax advisor.


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