This company is a fiasco. First of all I was a National City Customer. The changeover has not been smooth. The internet banking system is especially poor. You can get through to customer service ok but none of them can solve your problems. I am a customer who was with National city for decades and you would think that First Niagra would tag me as someone they would want to keep, but alas not so. It you like using internet banking forget them. They outsource the billpay part to some third rate company so no one at First Niagra wants to... read full review »