First Niagara Bank

Not a huge fan of any bank I’ve ever dealt with but really was not impressed with this bank from the start. I used to be an HSBC customer but got handed over to First Niagara when the other bank tanked.
Initially I had issues with getting my debit card… They said they mailed it and I never got it so I couldn’t access any of my money for weeks on end… and since I worked the same hours as they were open, I couldn’t go get cash out… I was helpless and moneyless even though I HAD money. Ugh. Same thing occurred when TJMAXX’s credit card system was breached and First Niagara canceled my card and sent me a new ones which never got it so I had to cancel that one and get yet another one. Nightmare. THEN I found out WHY I never got my cards. I moved to a new address and of course, informed my bank of my changed address. I watched the teller update my info in the computer. What I did not know, is that they did not change that address for ALL my accounts (checking, savings, credit card). Why not? That would make too much sense. Guess I should have been more clear that when I moved to a new place, I’d like all my account info to be mailed to my new location.
Aside from my ginormous rant, there’s always like, one teller open and a huge line regardless of when you go in.
FYI this place also has the world’s smallest parking lot and it can be a pain in the a** to get in or out of here on Bay Rd.
With my recent move to NC, I knew I was going to need to change banks but with the rush I was in, I didn’t have time to figure out all I needed to do with closing my accounts. Plus, I still had another direct deposit paycheck going into my checking and also needed to pay some bills so I didn’t want to close it right then and there. I was then informed that IF my account goes under $ 300 OR I don’t make at least 10 transactions with my card per month, I will be charged $ 9.99/month. WTF??? Seriously. What a JOKE! I know banks need I make $$$ but charging someone if they don’t have enough $ in their account is BS. Well, soon enough I will have a new bank account down here in NC. I don’t want to have one so far away. Hopefully I can find one that doesn’t have all these «hidden fees». I just want a safe place to keep my money. That’s it.
UPDATE: Closing my checking account has been a NIGHTMARE!!! I swear, I am going insane trying to close this f-​ing account! I predicted that once my account was at a ZERO balance (due to me transferring my $ to my new NC account) I would run into the issue of being assessed this $ 9.99 fee and consequently the $ 35 overdraft fee). I’ve made numerous calls, spoken to numerous people (each saying something different.) I had my checking account linked to my credit card for overdraft protection. I was informed that I needed to fill out paperwork to de-​link the accounts, which I completed and mailed back. I would call back numerous times to see if they received the form and I could go through with closing the account. Whoever I spoke to the phone had NO CLUE what I was talking about and would transfer me to the credit card department and then the credit card department would be like, «No, this has nothing to do with us, you need to talk to the checking/​banking side.» It was maddening. After 3 transfers and no one solving my problem or answering my issue, wasting 45 minutes of my life, I would hang up. So today I decide to call and try again (sigh). And the lady on the phone says that she can not close the account until I pay the -$ 44.99 balance due to the $ 9.99 maintenance fee and the $ 35 overdraft fee due to insufficient funds. So now a request is being sent to see if the fees can be waived, if not, I would apparently HAVE to pay them — despite me trying to close this account now for months.
I hate this company and would never recommend it to anyone… well, maybe my worst enemy. Nope, not even them.