First Niagara Bank is a full-service, community-focused bank that was established in 1870. With assets of more than $9 billion, it operates through several financial service subsidiaries, including First Niagara Funding and First Niagara Commercial Bank. The bank provides online wire transfer, direct deposit and automated account reconciliation services. First Niagara Bank offers a variety of financial and business banking services. As a part of First Niagara Financial Group, it provides personal banking products that include checking and savings accounts. The bank also offers check reordering, cash management, account aggregation and online bill payment services. First Niagara Bank provides life, disability and long-term care insurance plans through First Niagara Risk Management. It offers vacant land and home loans, as well as conventional fixed- and adjustable-rate mortgages. The bank manages a staff of over 2,000 people at nearly 110 branch locations throughout New York. First Niagara Bank additionally provides certificates of deposit and debit cards. f of over 2,000 people at nearly 110 branch locations throughout New York. The bank provides certificates of deposit and debit cards.