First Niagara Bank, National Association, established in January 1870 as Lockport Savings Bank, is a chartered national bank. It offers a wide array of banking products and services, such as checking and savings accounts, life insurance, mortgages, loans, deposits, risk management, etc. In addition, the bank provides cash management, online banking, benefits consulting and personal/business insurance services. First Niagara Bank, National Association is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender. It is a subsidiary of First Niagara Financial Group Inc., one of the leading financial services firms in upstate New York and Pennsylvania.