Get a $300 cash bonus{{d2013*}}
Your life isn’t one-size-fits-all – your checking account shouldn’t be either.
Get features built around your life and a $300 cash bonus when you open a new eligible M&T Personal Checking account and complete qualifying activities.{{d2013*}}
Earning a $300 cash bonus is easy.
Open your checking account
Apply online or visit your local M&T Bank to open an eligible account by March 27, 2026 using the promo code TG.
Set up Direct Deposits
Simply make qualifying direct deposits totaling at least $500 within 90 days of account opening to qualify.
Earn a $300 cash bonus
Your cash bonus will be awarded within 90 days of the account receiving the qualifying direct deposits.{{d2013*}}
Explore checking account options
MYCHOICE PREMIUM{{d1043*}}
$300 cash bonus{{d2013*}}
Offering the most premium features, benefits and perks.
CHECKING ACCOUNT FEATURES
- Special Deposit Interest Rates
- Free standard check orders{{d1039*}}
- Discounted Personal Loan rates{{d1030*}}
MONTHLY MAINTENANCE CHARGE
$24.95/month
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*}}
MYCHOICE PLUS
$300 cash bonus{{d2013*}}
Enjoy ATM surcharge rebates{{d1029*}}, {{d1042*}} and the option to earn interest.{{d1040*}}
CHECKING ACCOUNT FEATURES
- Interest-bearing option{{d1040*}}
- Discounted Personal Loan rates{{d1030*}}
- No fee at non-M&T ATMs{{d1029*}}
MONTHLY MAINTENANCE CHARGE
$14.95/month{{d1042*}}
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
EZCHOICE
$300 cash bonus{{d2013*}}
Our most popular option with the essentials you need.
CHECKING ACCOUNT FEATURES
- No monthly maintenance charge{{d1038*}}
- No minimum balance requirement
- No minimum transaction requirement
MONTHLY MAINTENANCE CHARGE
$0/month{{d1038*}}
WAIVE THE MONTHLY MAINTENANCE CHARGE
No monthly maintenance charge to waive
MYWAY BANKING FROM M&T BANK®
No cash bonus
Our checkless account without the worry of overdraft fees.{{d1041*}}
MyWay Banking is not eligible for a cash bonus offer.
CHECKING ACCOUNT FEATURES
- No overdraft fees{{d1041*}}
- Checkless account with M&T Debit Card
- No monthly maintenance charge with just one transaction{{d1038*}}
MONTHLY MAINTENANCE CHARGE
$4.95/month
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.
Explore Checking Account Options
$300 CASH BONUS{{d2013*}}
MyChoice Premium
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*}}
$300 CASH BONUS{{d2013*}}
MyChoice Plus
Enjoy ATM surcharge rebates{{d1029*}} {{d1042*}} and the option to earn interest.{{d1040*}}
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{{d1040*}}
Discounted Personal Loan rates{{d1030*}}
No fee at non-M&T ATMs{{d1029*}}
$300 CASH BONUS{{d2013*}}
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
NO CASH BONUS
MyWay Banking from M&T®
Our checkless account without the worry of overdraft fees.{{d1041*}}
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.
MONTHLY MAINTENANCE CHARGE
$0/month{{d1038*}}
CHECKING ACCOUNT FEATURES
No overdraft fees{{d1041*}}
Checkless account with M&T Debit Card
No monthly maintenance charge with just one transaction{{d1038*}}
Shared Account Features
While each 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.
Get cash when you need it.
Visit one of 900+ branches and 2,000 ATMs to access your money.
Customize your debit card.
Add personality to your purchases with custom card designs at no additional fee.{{d1045*}}
Use contactless checkout.
Tap to pay is here. Add your card to your digital wallet and pay on the go.
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.
