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+

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First Niagara Bank Customer Review

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doelger's Profile Image

1 out of 5 marks

Reviewed by doelger

Dec 22nd 2012

Horrible Bank! Poor Service, Fees

I was an HSBC customer that was transferred over to FNFG. To begin, it took 4 months to get a new debit card. They claimed they sent multiple cards, but i never received them. Every time i called to check on my card their records did not show i ever ordered one! Now they are hitting me with a 3 dollar maintenance fee for the e checking account after i spoke to the representative and made it very clear i wanted all account with no fees. I was assured over and over that all my accounts were free. That simply is not the case. This bank is horrible. Do not give them your business. I have cancelled all my accounts and taken my business elsewhere.

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Other First Niagara Bank Reviews

waugfam's Profile Image

Reviewed by waugfam

Mar 14th 2015

1 out of 5 marks

Pay taxes on atm rebates !!!!!

Is anyone else ticked about First Niagara not telling you that the rebates you recieve are taxable income!!! What a rip off! We now owe the IRS a decent amount of money!

The money given back in a rebate was our money to start with and had already been taxed...we checked tax advisors an get a different answer every time. Taxable income or not?

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tinasuk's Profile Image

Reviewed by tinasuk

Sep 9th 2013

1 out of 5 marks

Don't go to this bank

I was an HSBC customer for 4 years until it was acquired by First Niagara last year. I did not close my account immediately and after six months incurred monthly charges to maintain my checking account which was initially free with HSBC. I was not given any letter before these charges were applied. I was expected to read through the thick package of papers that they had sent when the acquisition happened. What a way to extract money out of customers. In any case, when I realized that I was being charged for about 3 months or so, I called them up and asked them to close my account. They said that I had to send a signed letter and I would be sent a check back for the amount I had in the bank. They did not inform me about any fees. In fact, I tried to close the account online but there was no option to do that. Later, when I received the check , I saw that $5 was deducted. They charged me just to send a check. I was not even informed about it. When I called them again, they were outright rude and unhelpful. In fact, I was supposed to get a call back from them which I never did. Terrible service in the few months that I have been with them.I won't even give them a single star.

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