This is the worst bank I have ever dealt with. Niagara bought out one of the local banks I used. I have been in a financial nightmare ever since. It seems not to matter whether I have 1.00 in my checking or 6000.00 they hold my checks until they can collect a fee. The on-line banking was a other nightmare. I had more trouble trying to get into my account and then they penalized me. After time n my local branch and on the phone they took off some of the fees and repeatedly claimed " glitch" in the system and admitted their people were not trained. Meanwhile my bills have all since been paid late and I am charged a fee from them. I have never in my 25 years banking experienced this. Where I was once working and paying my bill and getting by, am now one pay away from living on the street with my four kids. I have not had a decent nights sleep worrying what is going on with my on line banking and If i will be OK. I also have lost many lunch breaks trying to call them to straighten things out.