Earn up to $1,500 with Business Checking{{d2140*}}
Manage your business finances with confidence and earn up to $1,500 when you open a Business Checking account and complete qualifying activities.
Promo code automatically applies when you open your account online.
Want to visit a branch? Email yourself a bonus coupon
Earn up to $1,500 with Business Checking{{d2140*}}
Manage your business finances with confidence and earn up to $1,500 when you open a Business Checking account and complete qualifying activities.
Offer good through November 30, 2026.
Promo code automatically applies when you open your account online.
Want to visit a branch? Email yourself a bonus coupon
Offer good through November 30, 2026.
Promo code automatically applies when you open your account online.
Want to visit a branch? Email yourself a bonus coupon
Get your bonus in 3 easy steps
Open a new M&T Business Checking account
Open online today or visit a local M&T Bank branch to open a Business Checking account by November 30, 2026. Use promo code BD. (Promo code automatically applies when you open your account online.)
Maintain the average ledger balance requirement
Maintain an average ledger balance of at least $5,000 in the third full month after you open your account.{{d2140*}}
Get your cash bonus
Enjoy your cash bonus! Your account will be credited by the end of the fourth month.
Open a new M&T Business Checking account
Open online today or visit a local M&T Bank branch to open a Business Checking account by November 30, 2026. Use promo code BD. (Promo code automatically applies when you open your account online.)
Maintain the average ledger balance requirement
Maintain an average ledger balance of at least $5,000 in the third full month after you open your account.{{d2140*}}
Get your cash bonus
Enjoy your cash bonus! Your account will be credited by the end of the fourth month.
Earn $300
Average Ledger Balance
of $5,000 to $14,999.99
Earn $500
Average Ledger Balance
of $15,000 to $29,999.99
Earn $750
Average Ledger Balance
of $30,000 to $99,999.999
Earn $1500
Average Ledger Balance
of $100,000 or more
Earn $300
Average Ledger Balance
of $5,000 to $14,999.99
Earn $500
Average Ledger Balance
of $15,000 to $29,999.99
Earn $750
Average Ledger Balance
of $30,000 to $99,999.999
Earn $1500
Average Ledger Balance
of $100,000 or more
Compare Our Business Checking Accounts
Business Essential Checking
- $5 monthly account maintenance fee, waived if you meet activity requirements. {{d2081*}},{{d2080*}}
- 25 transactions every month at no charge—ideal for light activity{{d2077*}}.
- Unlimited debit card transactions.
- Deposit up to $2,500 monthly, in currency deposited or supplied monthly without extra charges.{{d489*}}
Open online for eligible businesses with a single owner (100% ownership), including LLCs, S Corps, Sole Proprietorships, and Corporations.
Business Plus Checking
- $15 monthly account maintenance fee, waived with qualifying activity.{{d2081*}}, {{d2093*}}
- 250 transactions every month at no charge—great for moderate volume{{d2077*}}.
- Unlimited debit card transactions.
- No charge for the first $5,000 monthly, currency deposited or supplied per month.{{d489*}}
Open online for eligible businesses with a single owner (100% ownership), including LLCs, S Corps, Sole Proprietorships, and Corporations.
Business Premium Checking
- $25 monthly account maintenance fee, waived with qualifying activity.{{d2081*}}, {{d2078*}}
- 500 transactions every month at no charge.{{d2077*}}
- Unlimited debit card transactions.
- Deposit up to $20,000 monthly, in currency deposited or supplied monthly at no extra cost{{d489*}}.
Open online for eligible businesses with a single owner (100% ownership), including LLCs, S Corps, Sole Proprietorships, and Corporations.
Built for Your Business. Backed by Real Support.
Help protect What You’ve Built
Fraud mitigation tools and chip tech help safeguard your business—so you can focus on growth.
Move Money, Make Moves
Send payments, transfer funds, and pay bills in minutes{{d16*}}.
Bank Anywhere, Work Everywhere
Mobile tools that keep your business running—whether you're in the office or on the go{{d229*}}.
Local Roots, Big Reach
Get the personal touch of a community bank with the power of a wide network.
Your Brand, Your Card
Make every transaction a reflection of your business with a debit card that features your logo and design{{d2091*}}.
Accept payments, manage sales and access funds through M&T Merchant Services
Many businesses pair M&T Business Checking with M&T Merchant Services to help manage deposits and card payments in one banking relationship.
Help accelerate cash flow
Deposit funds in the evening and they will be available to you as soon as the next morning.{{d911*}}
Flexible payment options
Give customers more ways to pay remotely with online, invoice emails or contactless payments.
Track sales and inventory
Simplify daily business management with a user-friendly technology and data platform.
Get 24/7 support
Get the help you need from a Merchant Specialist who can support your business needs around the clock.
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We will reach out within 24 hours. By submitting this form, you understand this is not an application for credit.
Open a business checking account in 10 minutes or less.
Apply online for a Business Checking account
Provide details and documents about your business
Submit your first deposit and fund your account
To apply for an account online, you must own and control 100% of your business. All applications must provide:
- Your SSN, personal address, email address & mobile phone number
- Your business's Taxpayer Identification Number (EIN, SSN, ITIN)
- Name, email address and mobile phone number or owner who has 100% ownership of the company
Need help switching checking accounts to M&T?
We know switching banks can be somewhat inconvenient. Here are step-by-step instructions to help make the process a little easier.
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