• See our At-A-Glance Fees, Terms & Conditions (PDF) and the Retail Account Disclosure Booklet (PDF) for more information.

    How to get your $250 cash bonus**

    Ladies at a First Niagara ATM

    It's as easy as using your Pinnacle or PinnaclePlus Checking account. You can earn the $250 when you complete all three of the following within the first 60 days of opening your account.

    • Make a direct deposit totaling $250 or more.
    • Make ten debit card purchases.
    • Make five bill payments using Online/Mobile Banking.

    Complete Any One: Earn $50 total
    Complete Any Two: Earn $100 total
    Complete All Three: Earn $250 total

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    Terms and Conditions
    *Pinnacle and PinnaclePlus Checking accounts include unlimited rebates of surcharges for transactions at non-First Niagara ATMs in the U.S. Choice Checking does not include ATM surcharge rebates. 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.

    **To qualify for a cash bonus, a new Choice, Pinnacle or PinnaclePlus Checking account must be opened online through FirstNiagara.com. Criteria: Within 60 days of account opening you must complete at least one of the following with your new First Niagara account: direct deposits totaling $250 or more, or five (5) bill payments using Online/Mobile Banking, or ten (10) debit card purchases. Payment: $50 cash bonus for 1st completed criteria, additional $50 cash bonus for 2nd completed criteria, additional $150 cash bonus for 3rd completed criteria. Total cash bonus is up to $250. Timing: Applicable cash bonus will be deposited into your new checking account within 30 days from end of the month in which you satisfy offer criteria. Applicable bonus payments may be paid as one lump sum or as individual payments. Checking account must be open and maintain a positive balance in order to obtain the applicable cash bonus. Account must remain open for 180 days to avoid a $25 Early Account Closing fee.

    Cannot be combined with any other promotional rate or reward/bonus programs. Primary owner on the account cannot be primary owner on another First Niagara checking account. Not available to Trust or Estate accounts. All accounts subject to approval and applicable fees. Bank employees and members of their household are not eligible for this promotion. Bonus is considered interest income and may be reported on IRS 1099-INT. Promotion runs through 6/14/2014 and can be withdrawn at any time.

    Minimum opening deposit is $50 for Choice and Pinnacle Checking and $500 for PinnaclePlus. Pinnacle Checking is an interest-bearing account. Interest-bearing accounts are variable rate accounts, which means we may change rates at any time. 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 by which Interest Rates may change. As of 2/1/2014, Pinnacle and PinnaclePlus accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts.

    One-Swipe Balance is a trademark of First Niagara Financial Group, Inc.


Security Message: First Niagara will never contact a customer on an unsolicited basis and request their electronic banking credentials or any other form of personal identifiable information. (Bank card number, account number, Social Security Number, PIN number or password).

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