Simple and tailored to your needs - banking that works for you
M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus.{{d2068*}}
Get started and earn a $400 cash bonus{{d2068*}}
Open your checking account
Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU.
* Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking.
Complete your qualifying activities
Set up qualifying direct deposits totaling at least $500 within 90 days of account opening.
Enjoy your $400 cash bonus
Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits.
Explore checking account options
MyChoice Premium{{d2123*}}
Offering the most premium features, benefits and perks.
MONTHLY MAINTENANCE CHARGE
$24.95/month or $0/month{{d1038*}} if the requirements are met
WAIVE THE MONTHLY
MAINTENANCE CHARGE
$0/month{{d1038*}} with an average daily balance of $7,500 or more per monthly service charge cycle OR
combined daily average balances of $25,000 or more in eligible accounts{{d1044*}}
CHECKING ACCOUNT FEATURES
Special deposit interest rates
Free standard check orders{{d1039*}}
Discounted personal loan rates{{d1030*}}
MyChoice Plus
Enjoy ATM surcharge rebates{{d1029*}}, {{d1042*}} and the option to earn interest.{{d2122*}}
MONTHLY MAINTENANCE CHARGE
$14.95/month{{d1042*}} or $0/month{{d1038*}} if the requirements are met
WAIVE THE MONTHLY
MAINTENANCE CHARGE
$0/month{{d1038*}} with an average daily balance of $2,500 or more per monthly service charge cycle OR
direct deposits totaling $1,500 or more per monthly service charge cycle
CHECKING ACCOUNT FEATURES
Interest-bearing option{{d2122*}}
Discounted personal loan rates{{d1030*}}
No fee at non-M&T ATMs{{d1029*}}
EZChoice
Our most popular option with the essentials you need.
MONTHLY MAINTENANCE CHARGE
$0/month{{d1038*}}
WAIVE THE MONTHLY
MAINTENANCE CHARGE
No monthly maintenance charge to waive
CHECKING ACCOUNT FEATURES
No monthly maintenance charge{{d1038*}}
No minimum balance requirement
No minimum transaction requirement
MyWay Banking
Our checkless account without the worry of overdraft fees.{{d2104*}}
MyWay Banking is not eligible for a cash bonus.
MONTHLY MAINTENANCE CHARGE
$4.95/month or $0/month{{d1038*}} if requirements are met
WAIVE THE MONTHLY
MAINTENANCE CHARGE
$0/month{{d1038*}} with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment.
CHECKING ACCOUNT FEATURES
No overdraft fees{{d2104*}}
Checkless account with M&T Debit Card
No monthly maintenance charge with just one transaction{{d1038*}}
Every checking account has something different to offer
View the benefits and features side by side to easily choose the checking account that works best for you.
Explore Checking Account Options
MyChoice Premium
Offering the most premium features, benefits and perks.
MONTHLY MAINTENANCE CHARGE
$24.95/month or $0/month{{d1038*}} if requirements are met i
$0/month{{d1038*}} with an average daily balance of $7,500 or more per monthly service charge cycle
OR
combined daily average balances of $25,000 or more in eligible accounts{{d1044*}}
CHECKING ACCOUNT FEATURES
Special Deposit Interest Rates
Free standard check orders{{d1039*}}
Discounted Personal Loan rates{{d1030*}}
MyChoice Plus
Enjoy ATM surcharge rebates{{d1029*}} {{d1042*}} and the option to earn interest.{{d2122*}}
MONTHLY MAINTENANCE CHARGE
$14.95/month{{d1042*}} or $0/month{{d1038*}} if requirements are meti
$0/month{{d1038*}} with an average daily balance of $2,500 or more per monthly service charge cycle
OR
direct deposits totaling $1,500 or more per monthly service charge cycle
CHECKING ACCOUNT FEATURES
Interest-bearing option{{d2122*}}
Discounted Personal Loan rates{{d1030*}}
No fee at non-M&T ATMs{{d1029*}}
EZChoice
Our most popular option with the essentials you need.
MONTHLY MAINTENANCE CHARGE
$0/month{{d1038*}}
CHECKING ACCOUNT FEATURES
No monthly maintenance charge{{d1038*}}
No minimum balance requirement
No minimum transaction requirement
MyWay Banking from M&T®
Our checkless account without the worry of overdraft fees.{{d2104*}}
MyWay Banking is not eligible for a cash bonus.
MONTHLY MAINTENANCE CHARGE
$4.95/month or $0/month{{d1038*}} if requirements are meti
$0/month{{d1038*}} with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment.
CHECKING ACCOUNT FEATURES
No overdraft fees{{d2104*}}
Checkless account with M&T Debit Card
No monthly maintenance charge with just one transaction{{d1038*}}
Every checking account has something different to offer
View the benefits and features side by side to easily choose the checking account that works best for you.
More great benefits with every M&T Personal Checking
While each personal checking account has its own perks, every option features the flexibility you deserve.
Manage money with ease.
Use online bill pay{{d1031*}}, Zelle®{{d1033*}} and mobile check deposit{{d1032*}} to manage your money on the go.
Customize your debit card.
Add personality to your purchases with custom card designs at no additional fee.
Get cash when you need it.
Visit one of our 900+ branches and 2,000 ATMs to access your money.
Use contactless checkout.
Add your card to your digital wallet for fast, easy checkout, online or in-store.{{d2099*}}
Manage money with ease.
Use online bill pay{{d1031*}}, Zelle®{{d1033*}} and mobile check deposit{{d1032*}} to manage your money on the go.
Get cash when you need it.
Visit one of our 900+ branches and 2,000 ATMs to access your money.
Use contactless checkout.
Add your card to your digital wallet for fast, easy checkout, online or in-store.{{d2099*}}
Personalize your debit card your way
Once your new checking account is open, choose from a variety of designs or upload your own image at no additional cost.{{d1045*}}
Added debit card security with M&T Assurance®
Tap to pay or add your card to your digital wallet for fast and easy checkout, online or in-store.
Banking built with you in mind
We know that financial security is peace of mind. All M&T Checking products offer real-time alerts and coverage in the event of fraudulent activity. Our 165 year-old foundation of reliability aims to inspire confidence in your financial future.
