Introducing M&T @Work

@Work is a cost savings employee benefit offer
through your company's partnership with M&T.
Take advantage of these exclusive offers today:

✔ Special discounts and services
✔ Financial education seminars
✔ Personal guidance such as an individual financial review
✔ Plus, much more!

Open Account

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Exclusive Offer For @Work Customers

M&T MyChoice Premium Checking {{d691*}}

$500 Cash Bonus*

This is our best account with the most premium features and benefits including: no minimum balance requirement or monthly maintenance fee {{d372*}} ; no fee at Non-M&T ATMs{{d252*}} and rebate of other banks ATM fees{{d496*}}.{{d253*}} ; no M&T fee for first order of standard checks{{d371*}} ; no fee for overdraft protection transfers{{d377*}}

Open Account

More Exclusive Offers For You

Mortgage

$500 credit off closing costs
0.25% off of the interest rate on bi-weekly mortgage with auto-deduct

The $500 off closing costs cannot result in cash payment to the borrower and must be applied to standard closing costs for the loan. All lending products are subject to credit and property approval. Offer is subject to change at any time without notice. Not valid with any other discount. Rates, terms, and conditions of accounts and services are subject to change at any time without notice. Certain other restrictions apply. Not available in all states.

ACH mortgage payment is required from a new or existing M&T checking or savings account to receive the interest rate discount. Certain conditions and restrictions apply. Program subject to change or discontinuation without notice.

Personal Loans

0.75% off approved standard rate with the opening of an M&T personal checking account

Offers subject to credit approval and are for @work accounts only.

M&T Visa Signature Credit Card

Unlimited 1.5% cash back on every purchase
10,000 bonus points after $500 in purchases

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to residents of the United States who open and use a new M&T Visa® Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com.

M&T MyChoice Money Market

No minimum balance requirement or monthly maintenance fee for customers with MyChoice Premium Checking

Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including 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/Savings Accounts, which are available on request at any M&T banking office or through M&T's Contact Center.

Home Equity Line of Credit

0.40% off approved standard rate for the life of the loan with the opening of an M&T personal checking account
Current standard variable rate is between 6.99% to 13.64% APR**

Offers subject to credit approval and are for @work accounts only.

Financial Education

Build you financial confidence and help reach your goals through the new M&T Financial Education Center. A place where you can explore at your own pace topics like budgeting, credit management, building wealth, retirement, starting a business, and more. Learn more.

Ready to Get Started?

Make an appointment with your local banker and ask them about @work.

Make an Appointment

MyChoice Premium Checking: The minimum deposit required to open the account is $25. The Annual Percentage Yield (APY), accurate as of January 1, 2022 is 0.01% for balances of $1.00 or greater. Fees could reduce earnings on the account. MyChoice Premium Checking is a variable rate account and rates are subject to change without notice. Interest is compounded daily and paid monthly.

All personal loans, lines of credit and all terms referenced herein are subject to receipt of a complete M&T application, credit approval and other conditions.

Exclusive offers are only available for @Work customers and your employer must participate in M&T@Work program. These offers are subject to M&T Bank’s policies, and M&T Bank reserves the right to change or terminate offers in its sole and absolute discretion.

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 details.

*To receive the bonus, open a new M&T MyChoice Premium Checking account between 07/01/22 and 12/30/22 and make at least $500 in qualifying direct deposits within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. The bonus will be credited to your account within 90 days of all requirements being met. The promo code is required at account opening to qualify for the bonus. Your new personal M&T checking account must still be open when we seek to credit the bonus. Only one bonus will be awarded per customer regardless of the number of accounts opened. Bonus offers are not available to employees of M&T Bank, any of its affiliates, or to customers who have received a bonus in connection with a personal M&T checking account within the last 12 months. A $50 early close-out fee applies if the account is closed within 180 days of opening. Bonus offers may vary by product and region, are not transferable and are reportable for tax purposes.

** Non-discounted variable APRs will apply ranging from Prime -0.01% (currently 6.99% APR) and Prime + 6.64% (currently 13.64% APR) for variable rate lines of credit ranging from $15,000 up to $1,000,000 with a maximum loan to value ratio of 85.99%. Final APR is based on borrower credit profile (as reported to M&T by an outside reporting agency), loan to value (LTV), lien position, deposit relationship, line amount, and collateral state. APR will never be below the Minimum APR of 2.99% or above the Maximum APR of 15.90%. APR may vary monthly based on changes in the Prime Rate as published by The Wall Street Journal in its “Money Rates” table. Prime rate as of 11/03/2022 = 7.00%. Accounts closed within 36 full calendar months of your opening date are subject to reimbursement of 3rd party fees paid in connection with establishing your account. For properties located in NYC, these fees will range up to $23,697 for line sizes up to $1,000,000. Property insurance and flood insurance, if applicable, are required. Other terms and conditions may apply. Rates are subject to change. M&T CHOICEquity accounts cannot be used to pay off existing M&T CHOICEquity or Home Equity accounts. Offer good on properties in NYC.

M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, DC.

Fees and account features will vary by region.

M&T 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, DC.

No fee for automatic overdraft transfers from your overdraft protection account. Overdraft protection is available either through a link to an M&T savings account, M&T Visa® Credit Card or M&T Overdraft Line of Credit. Overdraft Line of Credit and M&T Visa Credit Card are subject to credit approval. Other fees may apply to use of overdraft protection services. Regulations limit the number of certain types of withdrawals and transfers that can be made during any calendar month from your savings account. If this limit would be exceeded by an overdraft transfer, that transfer may not be made.

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