First Niagara | Personal Banking

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» Have Questions?

Call us at 1-800-421-0004
TTY 1-716-625-7583
Mon-Fri 7am-8pm
Sat-Sun 9am-4pm
Send us an e-mail

» Payment Difficulties?

If you are having difficulty making your payments, call 1-800-421-0004 and ask for our Home Retention Specialist.
Or, for confidential assistance contact the Consumer Credit Counseling Service of Buffalo, Inc. at 1-800-926-9685 or by visiting their website.

» Calculators

» Branch & ATM Locator

» Security Awareness

First Niagara will never request a customer's personal information through e-mail or provide links within an e-mail to update their information.Learn how to better protect yourself from:

Remember to check your credit report at least once a year.

Loans

Providing flexible loan options & equity alternative options to meet all your priorities.

Ultra Flex Home Equity Lines of Credit

The smart and flexible lending option with an initial approval in as little as 24 hours.

Home Equity Loans

Want to write yourself a one-time loan to meet your personal borrowing needs? Or is your priority to pay off loans sooner? We have the options to meet your needs.

Vacant Land Loans

We know that some customers' priority is to build their dream home at the property location of their choice.

Please Note:
The Bank will consider consumer loan requests from all applicants with a United States citizenship who either reside or work in the Bank's designated lending area. This area consists of Albany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Fulton, Genesee, Greene, Hamilton, Herkimer, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Ostego, Oswego, Putnam, Rensselaer, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming and Yates counties in New York State.