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  • Routing #222381549
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Apply for a loan Open New Account Make a Loan Payment

Member Services

Member Services

  • MasterCard Credit Cards
  • Notary Public & Signature Guarantee
  • Thank-A-Vet Program
  • Discounted Tickets
  • Gift Cards*
  • Order Checks
  • Shared Service Centers

MasterCard Credit Cards

Member services saving you money… at Niagara’s Choice, you have so many added value and savings options at your fingertips.

Members Sign in HERE for online access
Click HERE for contact numbers

Notary Public & Signature Guarantee

  • A number of credit union’s professional staff are notary publics.
  • We will be happy to assist you with notarizing documents when the need arises.
  • No appointment necessary and no fee to all members.

Thank-A-Vet Program

Niagara’s Choice offers a discount on Auto and Personal loans to members of the Niagara County Thank-A-Vet program. Bring your Thank-A-Vet identification card with you to receive 1% off an Auto or Personal loan.

Discounted Tickets

Tickets at Area Attractions and Businesses

  • Delta Sonic car wash: $13.50

Gift Cards*

Plastic Gift Card:

Want to Give the Perfect Gift?

Niagara’s Choice offers VISA Gift Cards that can be used wherever VISA cards are accepted. Choose any dollar amount from $25 up to $500 and take comfort in knowing your gift is protected with Visa’s zero-liability policy.*

Stop by your nearest Niagara’s Choice branch and pick up a Visa Gift Card today!

*Visa gift cards are subject to a $3.75 processing fee at the time of purchase Subject to change.

Virtual Gift Cards:

Members will need to stop into a local branch to purchase

Virtual Gift Cards can only be used for online purchases.

How does Virtual Gift Card Purchase work?
– Virtual Gift Card is sent via email
– At the time of purchase we will need: Recipients name, email, and phone number
– Recipient must activate the card before use, the card also must be registered by the recipient for online use.
– Activation and registration to be done on CUMONEY.com/gift .

Order Checks

To re-order your checks, Click Here

(NCFCU Routing number: 222381549)

Shared Service Centers

Access Your Accounts All Over the Nation with Shared Service Center Access

Shared Service Centers of Niagara's Choice
Niagara’s Choice members can bank anywhere across the US

When you’re away from home, you can look for the Co-Op logo that welcomes you to make deposits and withdrawals at other credit unions across the US.

Members of Niagara’s Choice FCU are welcomed at more than 4,300 service center locations nationwide. When you’re away from home, you can look for the swirl logo that welcomes you to a Credit Union Service Center, or for a complete nationwide listing click here to search for a Co-Op ATM near you

At a Service Center, simply provide the member service representative with your account number and a valid photo ID.

Service Center Access for Members Visiting Niagara’s Choice
Credit Union members from other participating credit unions are welcomed as visiting members at our both of our office locations. This unique cooperation between participating credit unions allows visiting members to make certain financial transactions just as if they were at their own credit union. Visiting members are welcome to make deposits and withdrawals from their own credit union accounts right at our teller stations.

Local Shared Service Centers include:

Buffalo

Buffalo Metropolitan FCU
32 South Elmwood Avenue, Buffalo, NY 14202
Phone: 716-847-6960

The Summit FCU
2290 Delaware Avenue, Buffalo, NY 14216
Phone: 1-800-836-7328 X 8702 or 8761

The Summit FCU
642 Sheridan Dr, Tonawanda, NY 14150
Phone: 1-800-836-7328

Cheektowaga

Financial Trust FCU
3333 Harlem Road, Cheektowaga, NY 14225
Phone: 716-831-3007

East Amherst

The Summit FCU
5641 Transit Road, Clarence, NY 14221
Phone: 1-800-836-7328 X 8708 or 8704

West Seneca

Financial Trust FCU
4257 Seneca Street, West Seneca, NY 14224
Phone: 716-674-2197

Western New York FCU
1937 Union Road, West Seneca, NY 14224
Phone: (716) 674-3199

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Our Locations

Niagara Falls
North Tonawanda
Lockport
Wheatfield

Main Office

3619 Packard Road
Niagara Falls, NY 14303
Phone: (716) 284-4110
FAX: (716) 284-4123

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© 2022 Niagara’s Choice Credit Union


Digital Marketing & Website Design by Dominguez Marketing

Memorial Branch
621 10th Street
Niagara Falls, NY 14301

Phone: (716) 284-4110
Fax: (716) 322-4390
Telephone Banking System:
(716) 284-4110 Opt.4

  • Monday through Friday: 7:30am - 4:00pm
  • Closed for lunch daily: 12:00pm—12:30pm
Get Directions | More Information

Main Office
3619 Packard Road
Niagara Falls, NY 14303

Phone: (716) 284-4110
Fax: (716) 284-4123
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 8:30am - 5:00pm
  • Saturday: 8:30am - 12:00pm
Get Directions | More Information

Niagara Falls Branch
900 Main St
Niagara Falls, NY 14303

Phone: (716) 284-4110
Fax: (716) 284-4123
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 9:00am - 5:00pm
Get Directions | More Information

Wheatfield Branch
2131 Sawyer Drive
Wheatfield, NY 14304

Phone: (716) 284-4110
Fax: (716) 923-1467
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 8:30am - 5:00pm
Get Directions | More Information

North Tonawanda Branch
3577 Niagara Falls Blvd
N. Tonawanda, NY 14120

Phone: (716) 284-4110
Fax: (716) 693-5183
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 8:30am - 5:00pm
  • Saturday: 8:30am - 12:00pm
Get Directions | More Information

Lockport Branch
260 West Avenue
Lockport, NY 14094

Phone: (716) 284-4110
Fax: (716) 434-1127
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 8:30am - 5:00pm
  • Saturday Drive-Thru ONLY: 8:30am - 12:00pm
Get Directions | More Information
Modal title
Important Notice – Niagara’s Choice has been made aware of an attempted attack on our debit card portfolio. Please understand that this is not a hack. In order to fend off malicious actions and to safeguard your accounts some transactions made on your debit card may be blocked such as PayPal, Ebay and Amazon. This does not apply to transactions made on your Niagara’s Choice credit card. It applies to debit card transactions only. We are working swiftly to rectify this issue and will continue to keep you informed. You can monitor your accounts through our online banking and mobile app. We are reaching out to members that may be affected. If you have any questions or concerns please contact us at 716-284-4110 during normal business hours or our fraud line @ 855-710-3055.
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  • About Us
    • Board of Directors
    • Committee Members
    • Contact
      • Main Office
      • Wheatfield Branch
      • Niagara Falls Branch
      • North Tonawanda Branch
      • Lockport Branch
      • Memorial Branch
      • Donation & Sponsorships
      • Careers
      • Become a Member
  • Banking
    • Accounts
      • Savings
      • Debit Cards
      • Christmas/Multi-Purpose
      • IRA
      • Share Certificate (CD)
      • Kids Club
    • Checking & Share Draft Accounts
    • Loans – Auto & Home Equity Plus
  • Services
    • Insurance
    • Financial Planning
    • Become A Member
    • Apply for A Loan
    • Electronic Services
    • Member Services
    • Debit or Credit Card Info
    • Thank-A-Vet Program
  • Resources
    • FAQ
    • Disclosures and Fee Schedule
    • Newsletters-Great Returns
    • NCFCU Partners
    • Credit Report -Information to help
    • ID Theft Resources
    • Kids Resources and Education
    • Important Forms
    • Donation & Sponsorships
    • Debit or Credit Card Info