I have been with this bank for 18 years, formerly known as Lockport Savings Bank. They do not care about their customers in the least bit. They are only concerned about collecting fees and "raping" their customers financially. I have had a home equity line of credit with them and multiple accounts throughout the years. My husband and I moved out of state and decided to close the accounts because it was impossible to manage our accounts with their lack of technology and inability to make deposits other than in person. Upon closing our accounts, we had a line of credit on both accounts. They sent us a check for our remaining deposit money and then claimed we were late on our line of credit (overdraft account). They charged us $25 for each account and proceeded to send us a bill for the delinquency after 3 weeks of the accounts being closed. We never even received a statement to make a payment. I called the bank and I was informed that statements are a courtesy and they refused to reverse the charges. They said it was not a bank error but an error on behalf of the person who closed our accounts when we sent our request by mail. Last time I checked, bank employees would be responsible for bank errors... Not too mention they willl charge you &37 for an NSF fee and then if you do not deposit money into the account within 7 days they will charge you another 35 on top of that... THE WORST BANK EVER!!! BEWARE!! PUT YOUR MONEY SOME WHERE ELSE!! They only want to collect fees from you and will go to all lengths and random charges to collect it from you!
I got signed up recently because of the $250 new account promotion, and the signup bonus was delivered as promised, and quickly. But that was about the only good experience with this bank. Outdated ATMs that don't put out receipts for deposits, deposits that are updated by the bank so as to hit you with as many late fees as possible (e.g., cash deposited at an ATM during the weekend wasn't reflected in balances until the next Monday or Tuesday, so that I was charge a hefty $37 insufficient funds fees). The computer systems in the branch and online are outdated as well, and they like to push physical paperwork around, at a slow pace. Avoid this bank at all costs, or, better yet, get your revenge by taking advantage of their next big promotion, and running away with your cash, because I guarantee you they will get you with the illogical and usurious fees.
I recently became disabled and while I am waiting for funds from retirement and SS disability, I did not have enough funds for a full credit card payment. I made a partial payment on 6/16/14. First Niagara called me just before I was going to call them. I wanted to discuss if I could have a temporary (12 Months) reduced payment plan so I could be current and pay less with a reduced rate until my funds come in. I was interrupted. He said, "so you have no income"! I tried to say that I would have some retirement beginning in July, but was cut off. He went to the "supervisor" came back and said, your account is now closed! (As if he just scored a touch down! I asked if I could have a temporary payment plan with a reduced rate so I could get caught up. He said no. PNC Bank gladly helped me with the same request.
If you want to keep customers your will learn to treat them with respect. Since 6/16/14 they have called multiple times to annoy me, and called with "no name" listed and say nothing several times a day. They are just hateful.