When I call for customer support I am expecting a friendly voice at the other end, someone who is more then happy to help me with my banking needs and provide me with excellent service. First Niagara Bank does not know customer service, nor do they know convenience. You would expect after a conversion they would be trying to keep customers who have had their bank switched by informing of new products and giving courtesy refunds of their insane fees. First Niagara does not know customer service, I would NOT recommend this bank to anyone and for current customers I would take your business elsewhere. TD BANK is located Florida to Maine, open early open late and has live Representatives 247/365 who are more than courteous and willing to assist. I am glad I have opened my accounts with them, they are MUCH better than First Niagara. It is a shame because New Alliance Bank was so well run, they sold out. Typical.