This company is a fiasco. First of all I was a National City Customer. The changeover has not been smooth. The internet banking system is especially poor. You can get through to customer service ok but none of them can solve your problems. I am a customer who was with National city for decades and you would think that First Niagra would tag me as someone they would want to keep, but alas not so.

It you like using internet banking forget them. They outsource the billpay part to some third rate company so no one at First Niagra wants to solve your problems and the third party company is useless. First Niagra has caused us nothing but grief and aggravation.

The people you deal with are nice enough but they are so disorganized that you get lost in the cracks. Just ordering deposit slips was a major ordeal with them and of course they charge. National CIty if you used the banking machine requested that you not use deposit slips. Such is not the case with First Niagra. They want you to use deposit slips even with the ATM's .

I am leaving this firm not because I want to. I really wanted to stay it would have been easier for me. It is going to be so much work for me to change.