Checking built for your business, plus a bonus up to $1,500{{d2055*}}

NEW BUSINESS CUSTOMER OFFER

No matter where you are on your journey, we offer small business bank accounts with benefits designed to save you time and money.

VIEW CHECKING OPTIONS

Offer available through June 30, 2025

Business Owners earn up to $1,500

Open the business checking account that's right for you.

BANKING MADE FOR BUSINESS

LIMITED TIME—NEW CUSTOMER OFFER
Earn up to a $1,500 bonus{{d2055*}}

Tailored Business Checking

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A customized business checking account designed to scale as your business grows and needs change.

ACCOUNT FEATURES

  • Pay no monthly maintenance fee for 3 months{{d725*}}, with several ways to waive $20 monthly maintenance fee after that{{d2051*}}.
  • No charge for the first 500 transactions items each month{{d2049*}}, {{d2060*}}
  • No charge for first $20,000 currency deposited or supplied per month{{d489*}}
  • Worry less with the option to protect your account from overdrafts.
  • Maintain an Average Ledger Balance of at least $10,000 OR
  • Maintain a sum of the Average Ledger Balances of the account and any linked Commercial Savings Account of at least $25,000 OR 
  • Make at least one M&T merchant services deposit into the account that month OR
  • Make $2,000 or more in purchases on a linked M&T Business Credit Card{{d2050*}}

Open Now
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Want to visit a branch? Email yourself a bonus coupon

LIMITED TIME—NEW CUSTOMER OFFER
Earn up to a $1,500 bonus{{d2055*}}

Simple Checking for Business

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A checking solution that covers the basics for your business. 

ACCOUNT FEATURES

  • $10/month or $0/month when requirements are met monthly maintenance fee{{d2052*}}
  • No charge for the first 100 transactions items each month{{d2049*}}, {{d2059*}}
  • No charge for first $5,000 currency deposited or supplied per month{{d489*}}
  • No minimum balance when opening your account
  • Maintain an Average Ledger Balance is at least $2,500 that month OR
  • Make 5 or more transaction items{{d2049*}}
Open Now
Email icon

Want to visit a branch? Email yourself a bonus coupon

LIMITED TIME—NEW CUSTOMER OFFER
Earn up to a $1,500 bonus{{d2055*}}

BizFlex Checking

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For businesses with emerging treasury needs that lets you link up to 4 accounts with perks.

ACCOUNT FEATURES

  • No monthly maintenance fee for the first 3 months, after which the fee is $50/month{{d2057*}}
  • No charge for the first 1,000 transactions items each month{{d2049*}}
  • No-cost deposits up to $50,000{{d489*}}
  • Maintain a monthly Average Ledger Balance of $50,000 or more, and you can combine balances on up to four linked BizFlex accounts{{d2058*}}
Open at Branch
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Want to visit a branch? Email yourself a bonus coupon

No Cash Bonus

Business Essential Checking

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Best for new or small businesses who need to separate business and personal finances.

ACCOUNT FEATURES

  • $5/month or $0/month when requirements are met monthly maintenance fee{{d2053*}},{{d2054*}}
  • No charge for the first 25 transactions items each month{{d2049*}}, {{d2059*}}
  • No charge for first $2,500 currency deposited or supplied per month{{d489*}}
  • Simply carry a $1,000 average daily balance per cycle OR
  • Complete $300 in debit card transactions per month{{d2049*}}
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Earning your cash bonus is easy.

Step 1

Open an account

Open an eligible new business checking account by June 30, 2025, using promo code BO.

Step 2

Maintain your balance

Maintain an average ledger balance of at least $5,000 in the third full month after opening the checking account{{d2055*}}

Step 3

Get your bonus

Enjoy your cash bonus after it's credited to your account at the end of the 4th month.

Enjoy the benefits of an M&T Business Checking relationship

Features designed to help you move your business forward.

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No monthly maintenance fee for a limited time

Pay no monthly maintenance fee for three months with an eligible new M&T Business Checking account.{{d725*}}, {{d2058*}}

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FDIC insured

Deposits are FDIC insured up to the maximum applicable limits.

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Easy account
management

Using M&T Online Banking for Business, Mobile for Business and ATMs.

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Card security
features

With your M&T Business Debit Card with chip technology. 

Visit your nearest M&T Bank branch and open an account.

Schedule an appointment
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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.

Get Switch Kit