First Niagara Bank

Banks › First Niagara Bank

• Report Card Get a complete look at this
  bank - all on one page.
• Reviews 43 Read & Write reviews »
• Discussions 0 Post your questions & answers
• Branches 358 Find branches & hours »

First Niagara Bank Fees & Rates

• Fees
• Rates

• Type	Fee	National average
  Monthly Inactivity	$12 No activity for six months or balance less than $500.	$6
  Non-Sufficient Fund (Overdraft)	$35	$30
  Stop Payment item	$30	$27
  Return Deposit	$15	$16
  Domestic Wire Transfer (Outbound)	$20	$22
  Domestic Wire Transfer (Inbound)	$15	$8
  Non-Bank ATM	$2 $5 for International	$1

• • CD Rates
  • Savings
  • Checking
  • Mortgage Rates

  • Regular CD

  TERM	RATE	MIN TO OPEN
  30 Month CD	0.15% APY	$5,000

  • Savings

  NAME	RATE	MIN TO EARN APY	MIN TO OPEN
  Statement Savings	0.01% APY	$200	$1

  • Interest

  NAME	RATE	MIN TO EARN APY	MIN TO OPEN
  Pinnacle Checking	0.01% APY	$1	$50
  Pinnacle Checking	0.03% APY	$100,000	$50

  • Mortgage - Fixed-Rate
  • Mortgage - Adjustable-Rate (ARM)
  • Refinance - Fixed-Rate
  • Refinance - Adjustable-Rate (ARM)

  NAME	RATE	POINTS	FEES
  30 Year Fixed		0	$642
  15 Year Fixed		0	$642
  10 Year Fixed		0	$642
  20 Year Fixed		1	$642

  NAME	RATE	POINTS	FEES
  7/1 ARM		0	$642
  5/1 ARM		0	$642
  3/1 ARM		0	$642

  NAME	RATE	POINTS	FEES
  30 Year Fixed		1.5	$642
  20 Year Fixed		0.5	$642
  15 Year Fixed		0.875	$642
  10 Year Fixed		0	$642

  NAME	RATE	POINTS	FEES
  7/1 ARM		0	$642
  5/1 ARM		0	$642
  3/1 ARM		0	$642

Most Helpful Customer Reviews

anonymous041987 recommends First Niagara Bank

Apr 5th 2012

4 out of 5 marks

“Phenominal”

All i have to say about these reviews is if you took some personal responsibility there wouldn't be as many issues. Everytime there is a fee change or an account change the bank notifies you 60 days ahead of time... maybe you should read your mail and stop blaming the bank for your laziness!!! Also, the include statement inserts... so if you opened your statement it would avoid 2 issues: you would know about the fee change and how to avoid it and you wouldn't over draft your account because you would be able to properly balance your check book! I've worked for many many banks and they are ALL the same! The bottom line is the customers have to have some personal accountability we can't do your banking for you we can only provide you with the information you need to do your own banking

Is this review helpful? ▲ Yes 2 ▼ No 0

stu022488 reviewed First Niagara Bank

Dec 13th 2012

2 out of 5 marks

“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

Is this review helpful? ▲ Yes 3 ▼ No 0

doelger reviewed First Niagara Bank

Dec 22nd 2012

1 out of 5 marks

“HORRIBLE BANK! Poor service, fees”

I was an HSBC customer that was transferred over to FNFG. To begin, it took 4 months to get a new debit card. They claimed they sent multiple cards, but I never received them. Every time I called to check on my card their records did not show I ever ordered one! Now they are hitting me with a 3 dollar maintenance fee for the e checking account after I spoke to the representative and made it very clear I wanted all account with NO FEES. I was assured over and over that all my accounts were free. That simply is not the case. This bank is horrible. DO NOT give them your business. I have cancelled all my accounts and taken my business elsewhere.

Is this review helpful? ▲ Yes 2 ▼ No 0

See all 43 customer reviews »

Compare First Niagara Bank to other banks

First Republic Bank

First Republic Bank, a division of Merrill Lynch Bank and Trust Co., FSB, represents a distinctive model in private b...

New York Community Bank

New York Community Bancorp, Inc. is the $32.5 billion multi-bank holding company for New York Community Bank, a New Y...

Hudson City Bank

Hudson City Savings Bank operates 125 branches in 21 New Jersey, New York and Connecticut counties, and maintains ove...