First Niagara Bank
Bank is an FDIC insured regional banking corporation. They are a wholly owned subsidiary with billions in assets
and deposits and hundreds of branches across four states. The have branches in Pennsylvania, New York,
Connecticut, and Massachusetts. With specialized expertise across every facet of today’s world, they sit poised
and ready to help you with both your personal and professional financial needs. As of December 31, 2011, their
total assets were $32.8 billion. First Niagara is headquartered in the Larkin Terminal Warehouse in Buffalo, NY.
With assets of $32 billion they are currently ranked the 39th largest bank in the country.
Checking comes with a lot of perks and lots of freebies, but you have to be able to maintain a certain account
balance in order to benefit. First Niagara counts your combined balances in deposits, consumer loans (excluding
mortgages), credit card balances and investments with their bank toward your balance requirement. If the total
amount is at least $50,000, you will never pay a monthly service fee. You can also avoid the monthly service fee
if you are able to maintain a daily minimum balance of at least $5,000.
Checking Optional Services:
You can enroll in
their eStatement service and receive email alerts to notify you when your monthly statements are available
within their online banking service. In addition to being able to access your statements for up to 24 months,
your online banking service will allow you to monitor and manage your accounts 24/7, as long as you have
Online Bill Pay
allows you to set up regularly scheduled payments for monthly bills, as well as one-time payments for other
expenses. Payments are sent automatically on your chosen date, and you can stop or change those payments at any
Protection is available on this account and subject to restrictions and associated fees. In case of overdrafts,
you can rest assured knowing that your payment will still be processed. With PinnanclePlus Checking, any
overdraft transfer from another First Niagara deposit account is free, subject to applicable transaction
If you prefer to
use traditional paper checks, you’ll enjoy unlimited orders of Pinnacle-branded checks.
of PinnaclePlus Checking:
Pay No ATM fees
anywhere in the U.S. (Rebates are credited to your account at the end of the statement cycle. First Niagara
charges $5 for the use of international ATMs and surcharges may apply for non-First Niagara ATMs outside of the
United States and Canada, which are not rebated)
Free official checks and money
Free annual financial
Up to $30 a year off safe deposit
box rental with autopay
A discount of .50% on loans and
lines of credit (excluding mortgages) with autopay
Optional overdraft protection
(restrictions and fees apply)
Free overdraft transfers from
Free wire transfers
Free stop payments
Exclusive rates on your connected
PinnaclePlus Money Market
PinnaclePlus Checking earns
PinnaclePlus Checking Terms and
In order to pay no monthly service
fee on your Pinnacle Checking Account, you must maintain a minimum daily balance of $5,000, or a
combined balance of at least $50,000 in deposits, loans (excluding mortgages), credit cards and
Each month that you are unable to
maintain either of these balances, you will be charged a $25 fee.
Using any of the ATMs in the U.S. is
free, and you will be reimbursed the cost of using other U.S. ATMs outside of the First Niagara
network. Rebates are credited to your account at the end of each statement cycle.
First Niagara charges $5 for use of
international ATMs and surcharges may apply for non-First Niagara ATMs outside of the United States and
Canada, which are not rebated.