If you're like many of us, you may find it hard to budget for inevitable holiday spending. Our Holiday Club Savings account lets you do just that.

Make arrangements to have money automatically transferred from your First Niagara checking account each pay check, or make unlimited deposits when you choose at any of our conveniently located bank branches. In October of each year, you'll receive a check in the mail in the amount of your account balance - and you can begin your holiday shopping with piece of mind and at your convenience.