Here is a list of frequently asked questions so you can bank easier!


What are your office hours?

Please visit our contact page to view our office hours of our Niagara Falls, Wheatfield, North Tonawanda and Lockport branches.

What holidays are observed by the credit union?

  • New Year’s Eve – Until Noon
  • New Year’s Day – Closed
  • Martin Luther Kings Day – Closed
  • Presidents Day – Closed
  • Good Friday – Open Regular Business Hours
  • Easter – Closed
  • Memorial Day – Closed
  • Juneteenth – Closed
  • July 4th – Closed
  • Labor Day – Closed
  • Columbus Day – Closed
  • Veterans’ Day – Closed
  • Thanksgiving – Closed
  • Black Friday – Open Regular Business Hours
  • Christmas Eve – Until Noon
  • Christmas Day – Closed

What is your Routing Number?


What is your Fax Number?

Packard Road: (716) 284-4123
Memorial Hospital: (716) 322-4390
Main Street: (716) 284-4123
Sawyer Drive: (716) 923-1467
North Tonawanda: (716) 693-5183
Lockport: (716) 434-1127

What discount tickets are available?

  • Delta Sonic car wash: $13.50
  • Dipson Theater Movie Tickets – $8.00 (note: these tickets cannot be used at the Transit Drive In)
  • Visa Pre-Paid Gift Cards*

*Subject to change. Visa cards have a $3.75 fee.

Where can I find information regarding fraud or lost/stolen credit or debit cards?

Click here to view all information regarding this matter.

Where can I take advantage of NO FEE notary service?

All branches have Notaries and will be able to assist you.

Which location can I go to for a Medallion Stamp?

A Medallion Stamp is open to members only, and available at limited locations. Please call ahead to set up a date and time.

How do I re-order checks?

For security reasons, you will need to come into the nearest location, verify the information Niagara’s Choice has on file, and fill out a Check Re-Order form in person. There is also an online option to re-order your checks if you have ordered checks previously.

How do I place a Stop Payment?

In order to place a Stop Payment you will need to come into the nearest location, and fill out a Stop Payment form in person. There is a $15.00 fee for stop payments.

How do I sign up for Online Banking?

On our homepage locate the Online Banking Login section and click on the “Enroll Now” tab.

How is a Wire Transfer processed?

Outgoing Wires: For security reasons, you will need to come into the nearest location to fill out a Wire transfer form, and to give the instructions for the outgoing wire transfer. There is a $20.00 fee for wire transfers.

Incoming Wires: To receive an incoming wire transfer please use the instructions below:

1. Receiving Financial Institution:
Alloya Corporate FCU 271987635
184 Shuman Blvd Suite 400
Naperville, IL 60563

2. Intermediate Financial Institution:
Niagara’s Choice Federal Credit Union 222381549

3. Beneficiary:
Your Name & Full Account Number

How can I change my account address?

For security reasons, you will need to visit the nearest location and fill out an address change form.

How do I order a new debit card?

We can instantly issue a new debit card at most of our branches.  Stop in during business hours to get your new card right away.  Or call our office at 716-284-4110 and we can order one.  There is a $15 for lost/misplaced cards.