US Bank Directory
Banks in Niagara Falls, NY
7 FDIC-insured banks operate 13 offices in Niagara Falls, New York, and 7 credit unions have 9 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Niagara Falls
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 14 banks and credit unions operate 22 locations in Niagara Falls, according to the FDIC and the NCUA. 21 of them have coordinates on record and are on the map. 19 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
21 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Niagara Falls
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: KeyBank has the most locations in Niagara Falls, with 3. It is followed by Citizens (2), M&T Bank (2), Northwest Bank (2). 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
KeyBank Bank · 3
KeyBank has 3 branches in Niagara Falls, 228 across New York and 952 nationwide. FDIC records list its main office in Cleveland, OH and show it operating since 1849. With $188.56 billion in total assets on June 30, 2026, it ranks No. 23 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Niagara Falls location is the Military Road Branch at 2429 Military Rd, dating to 1978; the newest, at 7350 Niagara Falls Blvd, to 1993. 1 of its 3 Niagara Falls locations with published hours open on Saturday.
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Military Road Branch2429 Military Rd, 14304
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
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Niagara Falls Branch7350 Niagara Falls Blvd, 14304
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
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Dent-Niagara Branch800 Main St, 14301
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: KeyBank branch locator (All The Places), checked Oct 10, 2026
Niagara's Choice Credit Union Credit union · 3
Niagara's Choice Credit Union has 3 officees in Niagara Falls, 5 across New York. It is based in Niagara Falls, NY and $263.7 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 3 Niagara Falls locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office3619 Packard Rd, 14303
All hours
Mon to Fri 8:30 am to 5 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Sawyer Drive2131 Sawyer Dr, 14304
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Main St Office900 Main St, 14301
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Citizens Bank · 2
Citizens has 2 branches in Niagara Falls, 170 across New York and 977 nationwide. FDIC records list its main office in Providence, RI and show it operating since 2005. With $232.52 billion in total assets on June 30, 2026, it ranks No. 20 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Niagara Falls location is the Niagara Falls Branch at 8298 Niagara Falls Blvd, dating to 1996; the newest, at 1000 Portage Rd, to 2003. All 2 of its Niagara Falls locations with published hours open on Saturday.
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Portage Road/Tops Branch1000 Portage Rd, 14301
All hours
Mon to Fri 10 am to 5 pm; Sat 10 am to 3 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
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Niagara Falls Branch8298 Niagara Falls Blvd, 14304
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
CNB Bank Bank · 2
CNB Bank has 2 branches in Niagara Falls, 16 across New York and 82 nationwide. FDIC records list its main office in Clearfield, PA and show it operating since 1934. With $8.41 billion in total assets on June 30, 2026, it ranks No. 194 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Niagara Falls location is the Niagara Falls at 676 72nd St, dating to 2019; the newest, at 2715 Highland Ave, to 2025. It does not publish hours in the sources this page uses; check its site before you go.
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Bankonbuffalo, A Division Of Cnb Bank Branch2715 Highland Ave, 14305
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Niagara Falls676 72nd St, 14304
M&T Bank Bank · 2
M&T Bank has 2 branches in Niagara Falls, 275 across New York and 960 nationwide. FDIC records list its main office in Buffalo, NY and show it operating since 1856. With $218.79 billion in total assets on June 30, 2026, it ranks No. 21 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Niagara Falls location is the Main Cedar Branch at 750 Main St, dating to 1956; the newest, at 880 Military Rd, to 1975. 1 of its 2 Niagara Falls locations with published hours open on Saturday.
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Main Cedar Branch750 Main St, 14301
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
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Military Road Branch880 Military Rd, 14304
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
Northwest Bank Bank · 2
Northwest Bank has 2 branches in Niagara Falls, 28 across New York and 163 nationwide. FDIC records list its main office in Warren, PA and show it operating since 1896. With $17.21 billion in total assets on June 30, 2026, it ranks No. 116 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Niagara Falls location is the Power City Branch at 805 Main St, dating to 1951; the newest, at 4381 Military Rd, to 1964. None of its 2 Niagara Falls locations with published hours lists Saturday hours.
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Town Of Niagara Branch4381 Military Rd, 14305
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: Northwest Bank branch locator (All The Places), checked Oct 10, 2026
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Power City Branch805 Main St, 14301
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: Northwest Bank branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Niagara Falls, 251 across New York and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Lasalle Branch at 1263 N Military Rd dates to 1953 in FDIC branch records. It opens on Saturday.
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Lasalle Branch1263 N Military Rd, 14304
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Cornerstone Community Credit Union Credit union · 1
Cornerstone Community Credit Union has 1 office in Niagara Falls, 7 across New York. It is based in Lockport, NY and $725.9 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Niagara Falls4225 Witmer Rd, 14305
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Encompass Niagara Credit Union Credit union · 1
Encompass Niagara Credit Union has 1 office in Niagara Falls, 1 across New York. It is based in Niagara Falls, NY and $24.1 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office2525 Military Rd, 14304
All hours
Mon to Fri 9 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Greater Niagara Credit Union Credit union · 1
Greater Niagara Credit Union has 1 office in Niagara Falls, 2 across New York. It is based in Niagara Falls, NY and $68.6 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Main Office main office2901 Military Rd, 14304
All hours
Mon to Wed 8 am to 4:40 pm; Thu 8 am to 6 pm; Fri 8 am to 4:40 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Niagara Falls A F Credit Union Credit union · 1
Niagara Falls A F Credit Union has 1 office in Niagara Falls, 2 across New York. It is based in Niagara Falls, NY and $21.3 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office2420 Olmstead St, 14304
All hours
Mon to Fri 9 am to 3:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Niagara Falls Teachers Credit Union Credit union · 1
Niagara Falls Teachers Credit Union has 1 office in Niagara Falls, 1 across New York. It is based in Niagara Falls, NY and $13.5 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office6040 Lindbergh Ave, 14304
All hours
Mon to Fri 10 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Saint John A M E Credit Union Credit union · 1
Saint John A M E Credit Union has 1 office in Niagara Falls, 1 across New York. It is based in Niagara Falls, NY and $200,000 in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office917 Garden Ave, 14305
All hours
Mon not published; Tue 4 pm to 7 pm; Wed not published; Thu 4 pm to 7 pm; Fri to Sat not published; Sun 1:30 pm to 2:30 pm
Hours: NCUA, March 31, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Niagara Falls, 12 across New York and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The Ny Niagara Falls Branch at 1540 Military Rd dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ny Niagara Falls Branch1540 Military Rd, 14304
Join a credit union in Niagara Falls
7 credit unions have 9 offices here: Niagara's Choice Credit Union, Cornerstone Community Credit Union, Greater Niagara Credit Union, Encompass Niagara Credit Union, Niagara Falls A F Credit Union and Niagara Falls Teachers Credit Union and 1 more. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Niagara Falls page has every office in the state's directory.
Banking in Niagara Falls: the local picture
Short answer: 7 banks run 13 branches in Niagara Falls according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 7 banks, 0 have their main office in Niagara Falls, 1 elsewhere in New York and 6 out of state, according to the FDIC.
The bank with the longest record here is KeyBank, operating since 1849 according to the FDIC. In FDIC branch records, the longest-running branch is Northwest Bank's office at 805 Main St, dating to 1951; the newest is CNB Bank's at 2715 Highland Ave, from 2025.
7 credit unions have 9 offices in Niagara Falls, according to the NCUA. Who can join each one is on the credit unions page.
Of the 19 locations with published hours. 7 open on Saturday. 3 locations have no published hours in these sources.
Banks by ZIP code in Niagara Falls
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 14304 has the most bank and credit union offices in Niagara Falls (12), followed by 14301 (5) and 14305 (4). Offices are spread across 4 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 14304 | 12 | 11 | KeyBank, Bank of America, CNB Bank |
| 14301 | 5 | 5 | Citizens, KeyBank, M&T Bank |
| 14305 | 4 | 4 | CNB Bank, Cornerstone Community Credit Union, Northwest Bank |
| 14303 | 1 | 1 | Niagara's Choice Credit Union |
Banks and credit unions open on Saturday in Niagara Falls
Short answer: 7 of the 19 Niagara Falls locations with published hours open on Saturday, run by 6 institutions.
- KeyBank: 1 of 3 branches (7350 Niagara Falls Blvd: Saturday 9 am to 12 pm)
- Citizens: 2 of 2 branches (1000 Portage Rd: Saturday 10 am to 3 pm, and 1 more)
- M&T Bank: 1 of 2 branches (880 Military Rd: Saturday 9 am to 12 pm)
- Bank of America: 1 of 1 branch (1263 N Military Rd: Saturday 9 am to 2 pm)
- Niagara's Choice Credit Union: 1 of 3 offices (3619 Packard Rd: Saturday 8:30 am to 12 pm)
- Greater Niagara Credit Union: 1 of 1 office (2901 Military Rd: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 3 of the 22 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Niagara Falls, and where the nearest one is if they do not.
Short answer: In Niagara Falls: Bank of America (1). No branches in Niagara Falls: Chase (nearest in Amherst, 10 mi), Wells Fargo (nearest in Kingston, 267 mi), PNC Bank (nearest in New York, 303 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in New York, 305 mi), Huntington, Regions Bank, TD Bank (nearest in Monticello, 242 mi), BMO.
| Bank | In Niagara Falls | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| Chase | None | Amherst, 10 miles away |
| Wells Fargo | None | Kingston, 267 miles away |
| PNC Bank | None | New York, 303 miles away |
| U.S. Bank | None | none in New York |
| Truist | None | none in New York |
| Fifth Third Bank | None | New York, 305 miles away |
| Huntington | None | none in New York |
| Regions Bank | None | none in New York |
| TD Bank | None | Monticello, 242 miles away |
| BMO | None | none in New York |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Niagara Falls to the nearest branch in New York.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Niagara Falls residents like anyone else.
Banks near Niagara Falls
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Lewiston (5 miles) and Grand Island (6 miles). Buffalo, 15 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Lewiston, NY | 5 mi | 2 | 2 |
| Banks in Grand Island, NY | 6 mi | 4 | 4 |
| Banks in North Tonawanda, NY | 7 mi | 3 | 4 |
| Banks in Tonawanda, NY | 10 mi | 5 | 8 |
| Banks in Kenmore, NY | 11 mi | 3 | 4 |
| Banks in Amherst, NY | 13 mi | 10 | 18 |
| Banks in Snyder, NY | 15 mi | 2 | 2 |
| Banks in Buffalo, NY | 15 mi | 14 | 61 |
Bank branch openings and closings in Niagara Falls
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Niagara Falls between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Oct 30, 2025 | Opened | CNB Bank | 2715 Highland Ave, 14305 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Niagara Falls
Short answer: 6 institutions have their main office in Niagara Falls: Niagara's Choice Credit Union, Greater Niagara Credit Union, Encompass Niagara Credit Union and Niagara Falls A F Credit Union and 2 more.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Niagara's Choice Credit Union | Credit union | $263.7 million | 3 |
| Greater Niagara Credit Union | Credit union | $68.6 million | 1 |
| Encompass Niagara Credit Union | Credit union | $24.1 million | 1 |
| Niagara Falls A F Credit Union | Credit union | $21.3 million | 1 |
| Niagara Falls Teachers Credit Union | Credit union | $13.5 million | 1 |
| Saint John A M E Credit Union | Credit union | $200,000 | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Niagara Falls by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Niagara Falls offices.
Short answer: Bank of America is the largest bank with offices in Niagara Falls, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Citizens is second with $232.52 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Citizens | $232.52 billion | No. 20 | 2 | Providence, RI |
| M&T Bank | $218.79 billion | No. 21 | 2 | Buffalo, NY |
| KeyBank | $188.56 billion | No. 23 | 3 | Cleveland, OH |
| Northwest Bank | $17.21 billion | No. 116 | 2 | Warren, PA |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| CNB Bank | $8.41 billion | No. 194 | 2 | Clearfield, PA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Niagara Falls: FAQ
How many banks are in Niagara Falls, NY?
Niagara Falls has 7 banks with 13 branches and 7 credit unions with 9 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Niagara Falls?
KeyBank, with 3. Citizens has 2 and M&T Bank has 2.
Is there a KeyBank in Niagara Falls, NY?
Yes. FDIC data lists 3 KeyBank branches in Niagara Falls as of September 5, 2026. Its branches are listed under KeyBank above, with the address and directions for each.
Is there a Citizens in Niagara Falls, NY?
Yes. FDIC data lists 2 Citizens branches in Niagara Falls as of September 5, 2026. Its branches are listed under Citizens above, with the address and directions for each.
Is there a M&T Bank in Niagara Falls, NY?
Yes. FDIC data lists 2 M&T Bank branches in Niagara Falls as of September 5, 2026. Its branches are listed under M&T Bank above, with the address and directions for each.
Is there a Chase in Niagara Falls, NY?
No. FDIC data lists no Chase branch in Niagara Falls as of September 5, 2026. The nearest is in Amherst, about 10 miles away in a straight line.
Which banks in Niagara Falls are open on Saturday?
KeyBank, Citizens, M&T Bank and Bank of America and 2 more publish Saturday hours for one or more Niagara Falls locations. The Saturday section above lists each one with its hours. 3 of the 22 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Niagara Falls?
Niagara's Choice Credit Union, Greater Niagara Credit Union, Encompass Niagara Credit Union, Niagara Falls A F Credit Union and Niagara Falls Teachers Credit Union and 1 more have their main office in Niagara Falls, according to the FDIC and the NCUA.
What is the oldest bank in Niagara Falls?
KeyBank has the longest record among banks with a branch here: the FDIC shows it operating since 1849.
Which credit unions can I join in Niagara Falls?
Niagara's Choice Credit Union, Cornerstone Community Credit Union, Greater Niagara Credit Union and Encompass Niagara Credit Union and 3 more have offices in Niagara Falls. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Niagara Falls in the past year?
FDIC branch records show 1 branch opening between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Niagara Falls?
Nearby cities with more banks include Lewiston, Grand Island, North Tonawanda. Lewiston is 5 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 8 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (10 of 13 branches: Bank of America, Citizens, KeyBank, M&T Bank, Northwest Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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