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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.

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First Niagara Bank Customer Review

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Hreeso's Profile Image

1 out of 5 marks

Reviewed by Hreeso

Jul 3rd 2012

The Worse Bank I Have Ever Done Business With. I Have Been There For Over 9 Years, And Am Leaving Next Month.

When i looked at my account on line on 7/3/12 in the morning everything was fine. I got home from work and looked on line again, and it revealed that two checks came in that same day, on 7/3/12, causing two overdrafts. A cash deposit was made on the same day at around 12:30 in the afternoon.. I still incurred $70 in nsf fees.

They are not logical people, they do not care about their customers, it doesn't matter how long you've been with their institution. They are fee happy, and they are going to lose many customers if they choose to continue this way. I am moving all my accounts. My business account usually has monthly deposits of around $15 to 20k, they don't care. I am out of there by next month, and i can't wait.

Is this review helpful? ▲ Yes 2 ▼ No 0

Other First Niagara Bank Reviews

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.

Is this review helpful? ▲ Yes 2 ▼ No 0

stu022488's Profile Image

Reviewed by stu022488

Dec 13th 2012

2 out of 5 marks

Getting Away with Robbery

Well I was an HSBC customer who was transfered over to First Niagara. I was a customer of HSBC for 6 years and did most of my banking online and had to contact the customer service department once for a lost card. I had a checking, savings and credit card transfered to First Niagara. The transfer was easy and so was setting up my online banking. After 6 months I noticed I got a 4 dollar mantainance fee on my checking account. I called and asked why and then stated in the customer service agreement and from what HSBC told me that you cannot change my original contract with HSBC you just aquired the accounts and would have to get my permission and signature to change any of my accounts.

They reversed the fee but failed to acknowledge my statement. He then offered to switch me to an echecking account which he stated do not aquire any fees. I obliged and later that month I got a letter stating that echecking accounts starting in December will start being charged a 3 dollar mantainence fee. Are you kidding me I went down and closed out my savings and checking account but left my Credit Card open.

Now here comes the fun part I purchased a course in march under my HSBC credit card and decided to cancel it in November. They refunded me the course but it went under my HSBC card number. I did not realize this and called HSBC after I did not see the funds deposited. They stated they have records of the original purchase however all my accounts and data were transfered to first niagara and that even if they did refund it to my credit card under HSBC First Niagara still would have recieved the refund and posted it to my account as they should still be attatched. Called First Niagara and after about 11 transfers to different departments they stated I should wait 10 days and call back. I called back and they acknowledged by a third party that the refund was issued however they do not know where it is. Then stated that is all they could do! Next step is small claims court

Is this review helpful? ▲ Yes 4 ▼ No 0

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