First Niagara Bank is a full-service, community-focused financial institution that provides a range of lending and depository products to individuals, families and businesses. The bank operates more than 110 branches in New York. It offers checking, money market and savings accounts, as well as vacant land and home equity loans. First Niagara Bank also provides merchant processing, cash management and check reordering services. The bank offers certificates of deposit, lines of credit, safe-deposit boxes, and debit and credit cards, as well as mortgages and retirement planning solutions. It provides property and casualty insurance products through First Niagara Risk Management. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. First Niagara Bank is a wholly owned subsidiary of First Niagara Financial Group, which is a publicly traded financial service company.