No monthly service charge1

You save money when there is no monthly service charge and no minimum balance requirement.

FREE M&T Web Banking®2 and Mobile Banking3

Access your accounts and pay bills from your computer or mobile device.

Easy access at M&T branches & ATMs

Account access at over 700 branches and more than 2,000 M&T Bank ATMs means we're accessible when you need us.

Easy online account management

M&T Web Banking® is the easy way to manage your accounts 24 hours a day, 7 days a week.

Bill Pay

Bill Pay allows you to pay virtually all your bills without having to buy a stamp or travel to a mailbox.

Mobile Banking

Check account balances, view recent transactions, transfer funds and more, when you're on the go.

M&T Check Card

An M&T Check Card (also known as a debit card) is available with any M&T checking account for convenient, secure access to your money – in person, online, or over the phone. It's faster than writing checks, safer than carrying cash and is accepted at millions of locations, worldwide.4

Great discounts at some of the places you already shop7

Save money at popular retailers when you use your M&T Check Card at participating merchants to receive discounts on clothing, electronics, dining and more!

Earn great perks with M&T Bank Rewards8

Earn points for certain purchases when you enroll your M&T Check Card in M&T Bank Rewards. Redeem points for gift cards, merchandise, cash and more.


View your accounts, loans and investments from M&T Bank and other financial institutions. Know where you are spending your money and categorize your spending.

Overdraft Protection5

This powerful service helps assure that your transactions are covered in the event you do not have enough funds in your checking account at the time of withdrawal.

Electronic Statement & Document Delivery

View, download or print electronic copies of your M&T checking account statements, cleared checks and notices from anywhere you have internet access – 24 hours a day, 7 days a week.6

Rest assured with M&T Assurance

Have peace of mind using your M&T Check Card in person, on the web and over the phone knowing you're covered with M&T Assurance to help prevent, detect and resolve card fraud including:

  • Real-time fraud monitoring for suspicious activity
  • Security Alerts for text and email notification of card activity
  • A unique 3-digit security code for added internet and phone transactions security
  • Verified by Visa for secure online purchases
  • Visa Zero Liability Policy9 for reimbursement against unauthorized card use
  • Expedited Card Replacement10 for lost or stolen cards

FDIC Insured

M&T Bank deposit accounts are FDIC insured up to maximum limits.

M&T Bank Alerts

A convenient way to be notified about important account activity. Stay connected with alerts sent by text, email, or App for iPhone®11