I have no clue what the people on her are talking about. The branch and 800 have been exceptional. I have three accounts with First Niagara and have never felt anything but satisfied.
This bank has a horrible online service and also a horrible customer phone service. For the phone service, they'll make you wait with a automated respond machine with a repetitive robot speaking. Then it gives you the option to let them call you back but hitting the # key. Then when you do the stupid automated robot repeats. Once you wait 10 to 15 minutes for them to call you back, they ask all for your information and say they send you to a new representative and will call you back, once again you wait another 10 minutes they say we need a copy of your drivers license to be emailed, and after they receive it they will call you back. Once all this shenanigans they finally give you a stupid pin to start your online statements. But after all that you cant even do payments. All you do is see how much you owe!!!!. And to pay by telephone they will charge you a 15$ fee to make a payment!