You can use the First Niagara Debit MasterCard® for purchases everywhere MasterCard is accepted. It's quicker than using checks, safer than carrying cash, and helps you manage your budget, since each purchase is deducted directly from your checking account.

To enjoy the benefits of a First Niagara Debit MasterCard, you will need a First Niagara checking account.

Features and Benefits
Your First Niagara Debit MasterCard is a better way to make purchases, since they are deducted right from your checking account. Your card comes with:

• No annual fee
• It’s accepted worldwide, anywhere the MasterCard logo is displayed.*
• It’s easy to use. You can access cash using ATM machines, swipe the card for signature purchases, or enter your PIN number for PIN-based purchases.
• It can be used to make purchases on the Internet.
• It helps with record keeping. Track debit card purchases through First Niagara’s online banking or view them on your monthly checking statement.
• It’s fully secured. No need to carry large amounts of cash. You as the cardholder have zero liability for any unauthorized purchases.**

It's the card that works like a check, only better. It's not a credit card; it's a debit card – which means the funds come out of your checking account just like a check. And even better, it is universally accepted at over 25 million merchants worldwide.

For additional information or to request a debit card, call us toll free at 1-800-421-0004 or visit any First Niagara branch.

Fees and Conditions
- ATM Transactions: Unlimited free transactions at First Niagara ATMs; $1.00 per transaction at non-First Niagara ATMs, $.35 per transaction for PIN Point Of Sale transactions. Both fees waived for Preferred and Prestige checking account holders.
* You may be charged a terminal fee by another bank when using your First Niagara Debit MasterCard at their ATM for withdrawals.
** MasterCard’s Zero Liability policy does not apply to cards issued outside the U.S., commercial cards or ATM transactions, or to PIN transactions not processed by MasterCard. The cardholder must meet three conditions: 1.The cardholder must have exercised reasonable care in safeguarding his or her card from risk of loss or theft; 2. The cardholder must not have reported two or more incidents of unauthorized use within the preceding twelve months; 3. The account must be in good standing.