B MyBankTracker Rating

First Niagara Bank

About First Niagara Bank

First Niagara was founded as a community bank more than 139 years ago in Lockport, N.Y., located 30 miles from Buffalo, where we remain headquartered. First Niagara is a community bank in Upstate New York, providing its retail consumers and business customers with banking services, including residential and commercial real estate loans, commercial business loans and leases, consumer loans, wealth management products, as well as retail and commercial deposit products.

First Niagara Bank logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful First Niagara Bank Bank Customer Reviews

  • M
    Reviewed By Matt Dec 13, 2012

    Getting Away with Robbery

    Well I was an HSBC customer who was transfered over to First Niagara. I was a customer of HSBC for 6 years and did most of my banking online and had to contact the customer service department once for a lost card. I had a checking, savings and credit card transfered to First Niagara. The transfer was easy and so was setting up my online banking. After 6 months I noticed I got a 4 dollar mantainance fee on my checking account. I called and asked why and then stated in the customer service agreement and from what HSBC told me that you cannot change my original contract with HSBC you just aquired the accounts and would have to get my permission and signature to change any of my accounts.

    They reversed the fee but failed to acknowledge my statement. He then offered to switch me to an echecking account which he stated do not aquire any fees. I obliged and later that month I got a letter stating that echecking accounts starting in December will start being charged a 3 dollar mantainence fee. Are you kidding me I went down and closed out my savings and checking account but left my Credit Card open.

    Now here comes the fun part I purchased a course in march under my HSBC credit card and decided to cancel it in November. They refunded me the course but it went under my HSBC card number. I did not realize this and called HSBC after I did not see the funds deposited. They stated they have records of the original purchase however all my accounts and data were transfered to first niagara and that even if they did refund it to my credit card under HSBC First Niagara still would have recieved the refund and posted it to my account as they should still be attatched. Called First Niagara and after about 11 transfers to different departments they stated I should wait 10 days and call back. I called back and they acknowledged by a third party that the refund was issued however they do not know where it is. Then stated that is all they could do! Next step is small claims court

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  • P
    Reviewed By Pprusak Aug 28, 2015

    DO NOT USE THIS BANK

    If I could give first niagara bank zero stars I would! This is the worst bank I've ever dealt with in my life. NEVER use them for your mortgage or even banking for that matter. We were suppose to close on our house today, ONE HOUR before closing they decided to tell us it wasn't going to happen today. Not only are we going to have to pay extension fees, we are going to have to pay another full months rent at the apartment we are living in. They don't seem to take your life into consideration when they're jerking you around every way possible. If we could change banks right now we would but we don't have any more time to buy. DO NOT USE THIS BANK!!!

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  • B
    Reviewed By Beyondupset Dec 20, 2013

    14 Insufficient fund fees off the account (37 dollars each), after deposit of 1128 dollars put in.

    We deposited $1128 dollars into the account, and through the time it was in there on top of a payroll deposit as well, we continued to rack up $37 dollar fees (13 in all after the two days after the deposit) to a point where it was $500 +/- in the hole!
    We asked for an explanation and all we received was that is the way the system works, something about debit places hold etc. I said OK could understand that on the day after but the majority (13 of them) were 5-6 days later, on debits of $30.00 we received $37.00 dollar charges. They will not and say they cannot do anything about it, a week before Christmas and 6 kids? We are 500 in the hole?

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  • Type Fee National Average
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