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.
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 Outdated ATMs that don't put out receipts for deposits, deposits that are updated by the bank so as to hit you with as many late fees as possible (e.g., cash deposited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 The computer systems in the branch and online are outdated as well, and they like to push physical paperwork around, at a slow pace.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.