Niagara Falls: (716) 297-5944   North Tonawanda: (716) 695-1829

Checking / Debit Card

Personal Checking Accounts & Debit Cards

Looking for a convenient checking account? Check out our FREE checking with no monthly fees and FREE debit card.

Free Checking

NO Minimum Balance Requirement

FREE Home Banking and Voice Response

NO Monthly maintenance fee

FREE VISA debit card

No per deposit or per check fee

Overdraft protection available

VISA Debit Card

Whether on vacation or running errands, reach for your Greater Niagara FCU VISA Debit card. It is a convenient, quick and easy way to make purchases at millions of locations worldwide, get cach back at certain establishments and withdraw cash or check your balances at ATMs.


ATM Locator

Surcharge FREE ATMS now available!

Please visit to find a location closest to you.

Download the mobile app and find ATMs anywhere!

iOS App Store
Google Play

Overdraft Options

When you have Overdraft Protection you can be confident that your checks and Automated Clearing House (ACH) items will be protected in the event of insufficient funds. Contact the credit union for an Overdraft Line of Credit application and for other information on overdraft protection options.

Switching to a Greater Niagara Federal Credit Union checking account is easy!

Our Switch Kit will make it easy for you to close your current checking account without any interruption of any of the services you have in place. You can use the Switch Kit to advise:

  • Company, business or government agency making direct deposits into your current checking account to begin making them into your GNFCU union checking Accounts
  • To advise anyone who is making automatic withdrawals from your current checking account to begin taking them from your GNFCU checking account
  • To advise the bank to close your current checking account