Earn $500 cash

Open an M&T Tailored Business Checking account with promo code BD and meet qualifying activities. 

Offer good through 12/29/2023

We will credit $500 bonus (the "Checking Bonus") to a new M&T Tailored Business Checking account opened between 10/1/2023 and 12/29/2023 if the Average Ledger Balance in the account is at least $5,000 in the third full calendar month after the account was opened. A promo code is required at account opening to be eligible for the offer. If the requirements are met and the Account remains open, the Checking Bonus will be credited to the Account within 45 days after the end of the third full calendar month after the account was opened. The Checking Bonus is reportable for tax purposes and is not available to employees of M&T Bank or any of its affiliates. The Checking Bonus is not available to customers who have had a non-personal M&T checking account within the previous 90 days of opening an M&T Tailored Business Checking account. Only one Checking Bonus will be awarded per customer regardless of the number of new M&T Tailored Business Checking accounts opened. A $50 Account Closure Fee applies if the account is closed within the time period referenced in the Commercial Deposit Account Fee Schedule.

How to earn your bonus

1. Open an M&T Tailored Checking account in branch through December 29, 2023 using your promo code

2. Maintain an average ledger balance of $5,000 in the third full month after you open the account

3. Enjoy your cash within 45 days following the third full month of account opening

No monthly maintenance fee for the first 3 months

Then keep it waived when you open any of these solutions and meet the criteria listed. 

M&T checking accounts are subject to transaction and service fees, including overdraft fees even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

Merchant Services

No monthly maintenance fee if you deposit merchant proceeds into your M&T Tailored Business Checking account.2

Deposited funds are available as soon as the next day. 
If the batch is closed by 11 p.m. EST, the ACH Deposit can be received as early as 7 a.m. EST the next business day. 

Business Rewards Credit Card

No monthly maintenance fee with $2,000 in credit card purchases per month.2

Earn unlimited 2% cash back on every purchase your first year.
The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). 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.


No monthly maintenance fee when you maintain a $10,000 monthly Average Ledger Balance or a combined $25,000 average ledger balance with a linked savings account.2

No charge for overdraft transfers.

Visit your nearest M&T branch or schedule an appointment to meet with a Business Banking Specialist.

All M&T checking and savings accounts are subject to M&T standard account agreements.
​All products and services are subject to eligibility and restrictions may apply.
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.
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.