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.
The very first time i used bill pay on line. First niagara deducted a $400's payment to national grid as requested. It gave me a conformation number and they deducted out of my account. But never listed as deducted but yet my balance was void of $400. First niagara as the bills were paid they bounced my account all over the place and took my direct deposit from taco bell and ate most of it for breakfast.
When i tried to depute this they told me it was my fault and i should keep a register the way they do. I use microsoft office to keep my banking record but that wasn't good enough for them. Then they proceeded to get nasty and say they can't control how and when the post office and national grid receives their mail? What? It was supposed to be an electronic transfer. I just don't understand the nastiness. Customer service on the phone was even worse
First Niagara bank doesn't deserve any stars! First off since I got a car loan through them they have not sent me any statements, I have had the car over a year. I have gone to the bank several times to ask why and they tell me they have the wrong address, so I give them the correct address and I still do not receive statements.
Next, I moved out of state and had to change banking information so I can continue my automatic payments. Again several times I have sent them the same paperwork at there request and there still saying they have not received anything and there is no paper trail. Since ive been trying to change banking info I have missed 1 payment and there threatening me with a repossession because they have lost my paperwork several times!
I signed up for a checking account so I could pay my credit card balance with it. When I attempted to pay my bill with my checking account they transferred me multiple times around 5 and put my on hold at least a dozen. I was on the phone for 40 minutes just trying to pay a 10 dollar bill. They won't allow you to use another bank or card to pay for it. They won't let you transfer funds from 1 first Niagara account to another either. I asked to do this and they told me it couldn't be done and that I should call back later. Its bullshit the only way to actually pay my bill is to physically go to the branch wait in line and give them the money. This is ridiculous for a company that talks about "web banking" and "automatic bill pay" don't let them fool you they make it as big a pain in the ass as possible to actually pay a bill. I am canceling my account today and pulling my money out of the first Niagara accounts because frankly they suck.