First Niagara Review

First Niagara Financial Group provided community banking services across the Northeast before its 2016 merger into KeyBank; legacy accounts remain supported under the KeyBank platform.

3.8/5

Customer Satisfaction

1870

Established

$30.00

Total Assets

Featured Products

Checking:	Niagara Checking	$10.00/month
Savings:	Niagara Savings	5.50% APY
Credit:	Niagara Platinum	1% cash back
Mortgage:	15-Year Fixed	3.50% interest rate

FDIC insured up to $250,000 per depositor (Certificate: 22132)

Fee Rating

3.5/5

Lower is better

FDIC Insured

Yes

Certificate: 22132

Digital Banking

4.0/5

Online & Mobile Experience

Branch Network

300

Physical Locations

Key Features

Established customer relationships; access to KeyBank network; reliable digital tools.

Bank Information

Routing Number

022105278

SWIFT Code

FNBGUS33

Branch Hours

Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed

Customer Service

1-800-323-5420

Mon–Fri 8am–6pm ET

Headquarters

Niagara Falls, NY, USA

Years in Business

155 years (Est. 1870)

Visit Official Website

Online Banking Login

Login Information

Online Banking Login

Access Online Banking

Mobile Banking

Niagara Mobile

Android App iOS App

Password Requirements

8–20 chars; no spaces

Two-Factor Authentication

SMS

Forgot Password

Reset Password

Security Features

Encryption; auto‑logout

Go to sign-in → enter credentials → complete 2FA

Call customer service: 1-800-323-5420

Hours: Mon–Fri 8am–6pm ET

Products & Services

Accounts & Products

Checking

Niagara Checking

Monthly Fee

$10

Minimum Balance

$500

Card Type

$Debit

Minimum Deposit

$25

Overdraft Fee

$34

ATM Fee

Mobile Banking

Mobile Deposit

Direct Deposit

View Details

Savings

Niagara Savings

APY

$5.50%

Annual Earnings

$5.50

Compounds

$Monthly

Minimum Balance

$25

Monthly Fee

Withdrawal Limit

$6/month

Online Banking

Mobile Banking

Automatic Transfers

View Details

Credit Card

Niagara Platinum

Annual Fee

Cash Back

$1%

APR Range

$15.24% - 25.24%

Network

$Mastercard

0% Intro APR for 6 months

Signup Bonus: 75.00

View Details

Mortgage

15-Year Fixed

Interest Rate

$3.5%

APR

$3.6%

Term

$15 Years

Min Down Payment

$5%

Min Loan Amount

$40,000

Max Loan Amount

$450,000

No PMI Required

First-Time Homebuyer Program

View Details

Digital Banking Experience

Mobile App Rating

3.9/5

Good mobile experience

Online Banking

4.0/5

Very Good online experience

Customer Service

3.9/5

Good customer support

Digital Features

Online bill pay

Mobile check deposit

Person-to-person payments

Account alerts and notifications

Mobile wallet compatibility

Secure messaging

Ready to Start Banking with First Niagara?

Visit their website to explore account options and start your application

Visit First Niagara Website