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Welcome to M&T Bank

Simple and straightforward

With new EZChoice Checking, you’ll be free from monthly maintenance fees, free from minimum balance requirements, and free from worry.  

Find the checking account that fits your life

All checking accounts feature

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Send money with Zelle®

NEW! With your U.S. mobile number or email address, send money quickly to people you know and trust with the convenience of Zelle.**

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M&T Custom Debit Card with Chip Security

Comes with chip technology for added security, and an option to customize your card with a photo at no cost.

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M&T Online & Mobile Banking11

Check your balance, pay bills, deposit checks, transfer funds, get alerts, and much more.

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Mobile Deposit & Digital Wallets11,12

Deposit checks conveniently and pay for purchases using your M&T debit card right from your phone with just a single touch.

 

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Access to M&T Bank Branches & ATMs

With over 750 branches and 1,800 M&T Bank ATMs, you have convenient access to your account.

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24 Hour Automated Banking by Phone

Call us anytime to check your balance, get transaction history, transfer funds, and make a payment.

All checking accounts feature

Why M&T

We understand what’s important.

From our relationship-driven approach, to our suite of online and mobile tools designed to meet your everyday needs, to our vast network of branches, we've built a banking experience with you in mind.

   

**Must have a bank account in the U.S. to use Zelle. Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

All M&T checking and savings accounts are subject to M&T standard account agreements.

1. You must have sufficient money in your overdraft protection account for the transfer to occur. If not, NSF or overdraft fees may apply. If you enroll in Overdraft Protection with your M&T Visa® Credit Card, or have a linked overdraft line of credit, your overdraft transfers will accrue interest at the applicable APR stated in your credit card or line of credit agreement. Please refer to your credit card or line of credit agreement for additional details.

Overdraft Line of Credit: 18% APR.  A fee of $12.50 will apply for each transfer made by telephone or through Online Banking. A fee of $12.50 will apply for each overdraft transaction to a linked checking account other than a MyChoice Premium checking account, but charged no more than once per day.

2. Regardless of whether a monthly maintenance charge applies, M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees, as noted in the Specific Features and Terms for each account and, also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.

3. M&T will not charge you to access your account at non-M&T ATMs, and will reimburse the checking account (up to $2 per transaction) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, D.C.

4. M&T savings accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees, as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.​

5. Fees and account features will vary by region.

6. Brokerage services and Insurance products are offered by M&T Securities, Inc. (member of FINRA/SIPC), not by M&T Bank.

7. No fee for standard checks and 50% discount on other check styles.

8. On the day your MyChoice Money Market account is opened, and on the last day of each monthly interest payment cycle, we will determine whether your account will receive the Regular Interest Rate or the Premium Interest Rate (both of which may change daily) during the upcoming monthly interest payment cycle. To qualify for the Premium Interest Rate, you must (1) have a MyChoice Premium Checking, Power Checking or Portfolio Management Account, and (2) have made 3 or more qualifying customer-initiated transactions in that checking account during that account's most recently completed monthly maintenance charge cycle. Qualifying customer-initiated transactions include deposits, withdrawals, Online and Mobile Bill Pay transactions, automatic payments, debit card purchases and payments, and direct deposits. Transfers and payments to other accounts at M&T Bank (including loans and lines of credit) are excluded. Reversals of transactions will be netted against the qualifying transactions. Transactions cannot be aggregated across multiple checking accounts for purposes of meeting this requirement. (Note: If your MyChoice Premium Checking or Portfolio Management Account has been open for less than one monthly maintenance charge cycle on any day we determine the applicable interest rate, your MyChoice Money Market account will receive the Premium Interest Rate during the upcoming monthly interest payment cycle.)

9. Loans are subject to credit approval and certain limitations may apply.

10. Waiver of annual rental fee of $50 or less for one safe deposit box; or 50% discount on the annual rental fee for one safe deposit box with a fee of more than $50 (up to a maximum discount of $200).

11. Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.

12. Deposits are subject to verification. Funds not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except for Federal holidays.​

​13. M&T Online and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose. Payees can only be added or edited, and recurring payments can only be scheduled through M&T Online Banking.

14. MyChoice Plus Checking is available with or without interest.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.

For detailed information on which M&T accounts are eligible, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through the M&T Telephone Banking Center.

Visa® is a registered trademark of Visa International Service Association.

Offers may vary by region. Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.

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