†To qualify for the $200 cash bonus, within 60 days of opening your new Pinnacle or PinnaclePlus checking account, you must receive direct deposits totaling $250 or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling $250 or more are made to your account. Account must be open and maintain a positive balance in order to obtain the bonus.
Cannot be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on one account. Customers must be residents of CT, MA, PA or NY to participate in this offer. Not available to Trust or Estate accounts. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS 1099-INT for the year in which the bonus is paid to you. Promotion runs through 12/31/15 and can be withdrawn at any time. Account must remain open for 180 days to avoid a $25 Early Account Closing fee. All accounts subject to approval and applicable fees.
Minimum opening deposit is $50 for Pinnacle checking and $500 for PinnaclePlus checking. Pinnacle and PinnaclePlus checking are variable rate accounts which means that rates are subject to change. As of 10/5/15, Pinnacle and PinnaclePlus checking accounts earn an APY of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts.
* Pinnacle and PinnaclePlus checking accounts include unlimited transactions at U.S. & Canada non-First Niagara ATMs at no charge and unlimited rebates of U.S. non-First Niagara ATM surcharges. Rebates are credited to the account at the end of each statement cycle. International ATM charges may apply for non-First Niagara ATMs outside the U.S. and Canada and are not rebated.
To avoid the $15.00 monthly maintenance fee for Pinnacle checking, you must maintain a minimum daily balance of $1,000, or a combined balance of at least $25,000 in deposits, consumer loans (excluding mortgages), credit card balances, and investment accounts. Securities and investment advisory products and services are offered on the premises of First Niagara branches by LPL Financial LLC, a registered broker/dealer and registered investment advisor, Member FINRA/SIPC. Insurance products are offered on the premises of First Niagara branches by LPL Financial LLC or its licensed affiliates. First Niagara Investment Services is the delivery and distribution channel for investment and insurance products and services offered by LPL Financial LLC on the premises of First Niagara branches. First Niagara Bank, N.A. and First Niagara Investment Services are not registered broker/dealers or investment advisors, nor are they affiliated with LPL Financial LLC.