FDIC-Insured - Backed by the full faith and credit of the U.S. Government

*Annual Percentage Yield (APY) of 5.00% is applicable for qualifying balances between $0 and $99,999.99. Qualifying balances of $100,000 and over will have an APY ranging from 5.00% and 3.50% depending on the balance in the account. If qualifications are not met, the APY will be 0.10%. The minimum balance to open an account is $50. APY’s are accurate as of July 31, 2025 and are subject to change after account opening. **Monthly qualification period ends on the last business day of the month.

Celebrate our grand opening with a great rate on a WOW Checking* account!

WOW Checking Rates

Qualify for premium interest on this free checking account easily by performing three simple steps each calendar month**:

  1. At least twelve (12) debit card purchase transactions must post to your account, with or without the use of a PIN

  2. Have at least one Direct Deposit or ACH payment

  3. Receive your WOW Checking account eStatement through eBanking


Open Now
WOW Checking

SPECIAL FEATURES:

  • Free ATM withdrawals anywhere in the U.S. (upon qualification)
  • No minimum balance fee

BankOn Your Best Financial Move Yet

Whether you're saving for something big or just stashing cash for a rainy day, our 12-month CD makes it easy to earn more — no heavy lifting required.

  • $500 to open and earn interest
  • 180-day interest penalty for early withdrawal

†APY accurate as of July 31, 2025. 12-month Certificate of Deposit (CD): $500 to open and earn interest and 180-day interest penalty for early withdrawal.
12-month CD Rate

BankOnBuffalo is Now Open at the Transit & French Plaza!

We’re excited to welcome you to our newest location at the Transit & French intersection, home to our innovative SMART Center – a full service bank where convenience meets comfort. You’ll be greeted with the same friendly faces as we moved our office from Lancaster to this new location, now bringing exceptional service closer to home.

  • Step into our wireless, café-style lobby, perfect for relaxed, connected banking

  • Take advantage of our open transaction areas, designed to make every visit feel personal

  • Stay informed with digital displays that enhance your experience

  • Enjoy a fresh brew at our complimentary coffee station—because great service starts with great coffee

SMART Center Lobby
BOB ETM

Live, personal service available at the ATM.

Banking available when you are with extended hours:
Monday-Friday 7am - 7pm • Saturday 8am - 3pm • ATM 24/7

  • Speak to a banker about your accounts
  • Transfer money between accounts
  • Make an appointment with your banker
  • Deposit checks and cash into your accounts
  • Make loan payments
  • Cash checks
  • And, more!

Hear it from Del Reid, Bills Mafia Originator!

We invite you to stop by and continue enjoying the service you love with the same friendly faces you know and trust.

SML Office Exterior

4781 Transit Road, Building #2
Depew, NY 14043
(716) 309-6681

Contact Us

BankOnBuffalo at Transit & French

Lobby hours:

Monday - Friday 9:00 am - 4:00 pm
Saturday Closed

Drive Up Hours:  Live, personal service available at the ATM

Monday - Friday 7:00 am - 7:00 pm
Saturday 8:00 am - 3:00 pm
ATM available 24/7.

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