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.
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Overall Rating

MyBankTracker rated First Niagara Bank 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.

C+

MyBankTracker Rating

Customer Rating
Based on 79 Reviews
Financial Health
Based on Texas Ratio: 10.32
Bank Fees
vs. Average
Bank Rates
vs. Average
Number of Locations
vs. Similar Institutions
Mobile Banking
Quality of Mobile Services

Locations & Hours

First Niagara Bank Location Map
First Niagara Bank Location Map
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Most Helpful Customer Reviews

Sha719's Profile Image

Reviewed by Sha719

Mar 4th 2014

4 out of 5 marks

Fabulous!

Every employee in this branch is personable and works in a very professional manner.

Is this review helpful? ▲ Yes 1 ▼ No 1

bfoodbuyer's Profile Image

Reviewed by bfoodbuyer

Nov 27th 2014

5 out of 5 marks

Amzing Eileen

Eileen has been there so long that I frown if she is not visible when I go in. With a smile on her face and an unstoppable way of helping, she has, on many occasions, got me thru what I felt were insurmountable tasks. When my young son was faced with heart surgery, I had many banking and fund transferring things to tackle as he was out of the country and needed to get home. With that smile of hers, and a a helping hand she helped me get thru what was one of the toughest times in my life. I love her, and she is the reason I would never consider leaving First Niagara.

Roberta Krukowski

Is this review helpful? ▲ Yes 1 ▼ No 1

MollyCat10940's Profile Image

Reviewed by MollyCat10940

Sep 3rd 2014

5 out of 5 marks

Great Bank, Nice Folks, Good Hours, Useable Online Banking

I have no clue what the people on her are talking about. The branch and 800 have been exceptional. I have three accounts with First Niagara and have never felt anything but satisfied.

Is this review helpful? ▲ Yes 1 ▼ No 1

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Statement Savings

0.01%

$200

$1

NAME RATE (APY) MIN TO EARN APY Min Deposit
Pinnacle Checking

0.01%

$1

$50

Pinnacle Checking

0.01%

$100,000

$50

NAME RATE POINTS FEES
30 Year Fixed

4.50%

0

$642

15 Year Fixed

3.50%

0

$642

10 Year Fixed

3.375%

0

$642

20 Year Fixed

4.25%

0

$642

NAME RATE POINTS FEES
7/1 ARM

3.75%

0

$642

5/1 ARM

3.25%

0

$642

NAME RATE POINTS FEES
30 Year Fixed

4.50%

0

$642

20 Year Fixed

4.25%

0

$642

15 Year Fixed

3.50%

0

$642

10 Year Fixed

3.375%

0

$642

NAME RATE POINTS FEES
7/1 ARM

3.75%

0

$642

5/1 ARM

3.25%

0

$642

TERM RATE (APY) Min Deposit
36 Month CD

1.50%

$500

Banking Fees

Type Fee National average
Monthly Inactivity

$12

No activity for six months or balance less than $500.

$7

Non-Sufficient Fund (Overdraft)

$35

$30

Stop Payment item

$30

$27

Return Deposit

$15

$13

Domestic Wire Transfer (Outbound)

$20

$22

Domestic Wire Transfer (Inbound)

$15

$9

Non-Bank ATM

$2

$5 for International

$1