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!
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.
I financed my car through them 10 months ago. Come to find out that they accepted paperwork from the dealership and never verified. They told me that they accept everything that they receive as being true. Someone obviously didn't do their job and they do not want to own up to it. I will never use this bank again.