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
Curious about mortgage rates because I was considering buying a condo, I stopped to talk to an officer at my small branch office. I didn't know her because the staff changes constantly there but she checked my records (after speaking with her vet about her pet ) and quickly put on the phone with a "mortgage consultant" (read: salesman).
He expected me, I believe, to want his approval so much that a courteous introduction or expectation of privacy (I was in a rather public, half glassed-in cubicle) was unnecessary. He fired out his questions about IRAs, savings, salary, debt, etc., with condescending casualness.
The whole motus operendi was so rude and unprofessional that I would never consider First Niagara as a lender.
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 Outdated ATMs that don't put out receipts for deposits, deposits that are updated by the bank so as to hit you with as many late fees as possible (e.g., cash deposited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 The computer systems in the branch and online are outdated as well, and they like to push physical paperwork around, at a slow pace.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.