Hi, First Niagara Bank, based on Lockport, NY has a SWIFT code: FNFGUS31XXX, the digit '1' in the eight position of this SWIFT BIC (Bank Identifier Code) indicates that it is not connected directly to the SWIFT network, but you may still indicate your bank this identification, either to receive money (wire transfer), or send money to another person or company thru SWIFT. Whatever financial institution receiving an instruction with this BIC code, they will know how to get the transaction forwarded to this destination, even if they are not connected to the SWIFT network. Hope this will answer your doubt. Rgds, Gus
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FHBKUS77
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FHBKUS77
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