Menu

1 (866) 791-0658 Find A Branch

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

Artboard 1

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.

Artboard 1

M&T Online & Mobile Banking4

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

Artboard 12

Mobile Deposit & Digital Wallets4,5

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

 

Artboard 1

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.

Artboard 1

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.

   

1. 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.

2. 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.

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

4. 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.

5. 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.

6. 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.

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

8. Certain check styles may be excluded from this offer. Please see an M&T branch representative for full details.

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

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

11. 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.)

12. 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.

13. 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).

​14. 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.​

15. Fees and account features will vary by region.

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.

Equal Housing Lender Icon Equal Housing Lender, © 2018 M&T Bank, Member FDIC