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  • Choice Checking

    Flexible account, great service

    You’ll enjoy First Niagara’s personal, local service and robust checking account features, including free Online Banking and Bill Pay. Plus bank on-the-go with Mobile Banking.

    Two free non-First Niagara ATM transactions per statement cycle*  
    Switch today. Visit a branch, call 1-800-836-1008 or use our secure online application.

    Pay no monthly service fee when you:

    Maintain Direct Deposit OR Complete 10 point-of-sale
    transactions per cycle
    OR Maintain a minimum daily balance of:
    • $300 in the checking account OR
    • $5,000 in combined balances of deposits and loans**

    Otherwise you pay a service fee of $9.95.

  • Learn more about Choice CheckingFirst Niagara Retail Account Disclosure Booklet

    *Choice Checking accounts include two free transactions at non-First Niagara ATMs per statement cycle, and any non-First Niagara ATM surcharges are not rebated.

    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.

    **Excludes mortgages and credit card balances.

FDICEqual Housing

SECURITY NOTICE: First Niagara Bank, N.A. will NEVER request through email, text, or unsolicited phone call your bank card number, account number, Social Security number, Personal Identification number (PIN) or password.

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