Since (being sold like likestock and) switching to First Niagara bank from National City, I have had the following problems:
1. No debit card or access to my money for all of Labor Day weekend, forcing me to cancel my plans for a Four Quarters event I'd already paid for;
2. Random cancellation or omission of one of my automatic car payments, causing a late car payment;
3. Erroneous deposit of one of my deposits into someone else's account;
4. Numerous overdraft charges resulting from their holding after-hours ATM deposits for an unreasonable amount of time.
(Clients have also let me know that First Niagara doesn't support Quicken. At all. So people who used it with National City before are just screwed.)
I've been sick of this incompetence for a while now, and just went and did something about it. One of my clients recommended First Commonwealth Bank, partly because they credit deposits before withdrawals. I went in and confirmed this - the teller said that even if a bunch of charges come in at 6 AM, and I make a deposit at night right before the branch closes to cover the amount, the deposit will count first.
I consider that beyond fair and decent, and so should anyone who (like me) has ever been hit with multiple overdraft charges because a bank was holding checks till they cleared. I strongly encourage anyone who's had problems with First Niagara to head over to First Commonwealth... They even have a branch in Squirrel Hill (who knew?).
Also, if anyone knows a good attorney who might want to take on a class action against First Niagara, I would love to hear about it.