The Falcon Vault is a student-run bank branch of the Financial Trust Federal Credit Union (merged with Erie Metro Federal Credit Union on September 30, 2019), in partnership with Frontier Central School District. 

    The branch is located in the front of Frontier High School, next to the Student Support Office and the Main Office, near Door 2 of the High School.

    An ATM is located next to the Frontier Bookstore (near the Cafeteria/Main Gym/Auditorium) in the Door 8 foyer of the High School.

    The Falcon Vault is targeted to be open for business for the 2021-2022 school year by October 12, 2021.

    Withdrawal fees will be applicable to ATM transactions by noncustomers.

    The goal of this partnership is to further the understanding of, and the experience with, real-world money management for our students.

    Student bankers are responsible for all aspects of running a bank as well as teaching their peers the importance of budgeting and saving.  With guidance from Financial Trust Federal Credit Union management, the high school bankers are improving readiness for college and future careers for themselves and their peers.

    In addition to banking services, the Falcon Vault will be able to sell stamps, movie passes, carwash tickets and other promotional materials.


    Offering a limited menu of products designed primarily for student savers, this student-run bank branch will operate five days a week for approximately 5 hours per day (9:30 AM – 2:45 PM), and are managed by Financial Trust Federal Credit Union associates. Branch services are available to students, administrators, teachers and staff of the Frontier Central School District.

    Student employees of the Falcon Vault do not have the ability to see customer addresses, contact information or account balances.

    Sixteen high school students were selected to staff the in-school branch.  To prepare for their work, all student-bankers are trained to obtain hands-on experience as tellers and customer service representatives.

    Student employees are eligible for potential paid hours working in regular branches during summers and holidays, as well as scholarships and other perks.

    Students interested in working in the bank branch needed to complete and return an application by Friday October 1, 2021 to Mr. Smaczniak in the South Office. Interviews were conducted the following week. Student employees of the Falcon Vault must be in good standing (academically, behaviorally and attendance-wise).


    • Promoting sound money management skills in students.
    • Providing critical life skills training for students.
    • Connecting students to banking professionals for mentoring opportunities.
    • Developing career awareness and work readiness skills in students.
    • Influencing student academic achievement by providing college preparatory guidance.
    • Providing convenient banking service to students, administrators, teachers, staff and visitors.


    Student Application


    Financial Trust Federal Credit Union currently operates four in-school bank branches in local high schools.

    Falcon Vault

    Frontier Central High School- Hamburg, NY 14075

    Quaker Vault

    Orchard Park High School – Orchard Park, NY 14127

    Trojan Vault

    West Seneca East High School – West Seneca, NY 14224

    West Vault

    West Seneca West High School – West Seneca, NY 14224


    Blasdell Branch (old Erie Metro FCU location)

    3291 Lakeshore Road – Blasdell, NY 14219

    Cheektowaga Branch (Financial Trust FCU)

    3333 Harlem Road – Cheektowaga, NY 14225

    ECMC Branch (old Erie Metro FCU location)

    462 Grider Street – Buffalo, NY 14215

    Grand Island Branch (Financial Trust FCU)

    2014 Grand Island Boulevard – Grand Island, NY 14072

    Orchard Park Branch (Financial Trust FCU)

    6520 Webster Road – Orchard Park, NY 14127

    West Seneca Branch (Financial Trust FCU)

    4257 Seneca Street – West Seneca, NY 14224