Enjoy a $350 Bonus{{d2012*}}
WELCOME TO M&T BANK
Learn which of our checking account options is right for you. Open your account today and complete the qualifying activities below.
Plus, get a great rate on a new CD!
Earn more on your savings with a guaranteed rate. Lock-in a fixed interest rate with flexible terms to grow your savings. Learn More >
Earning a $350 cash bonus is easy.
Open your checking account
Apply online or visit your local M&T Bank to open an eligible account by November 30, 2024 using the promo code TJ.
Set up Direct Deposits
Enroll in direct deposit and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Receive your cash bonus
Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits!{{d2012*}}
Explore checking account options
MyChoice Premium{{d1043*}}
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*}}
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*}}
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
MyWay Banking
Our checkless account without the worry of overdraft fees.{{d1041*}}
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.
CHECKING ACCOUNT FEATURES
No overdraft fees{{d1041*}}
Checkless account with M&T Debit Card
No monthly maintenance charge with just one transaction{{d1038*}}
MyWay Banking is not eligible for a cash bonus.{{d2012*}}
Explore Checking Account Options
MyChoice Premium
Offering the most premium features, benefits and perks.
MONTHLY MAINTENANCE CHARGE
$0/month{{d1038*}}
regularly $24.95/mo. if requirements are not met i
$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*}}
MyChoice Plus
Enjoy ATM surcharge rebates{{d1029*}} {{d1042*}} and the option to earn interest.{{d1040*}}
MONTHLY MAINTENANCE CHARGE
$0/month{{d1038*}}
regularly $14.95/mo.{{d1042*}} if requirements are not met i
$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*}}
EZChoice
Our most popular option with the essentials you need.
MONTHLY MAINTENANCE CHARGE
$0/month{{d1038*}}
CHECKING ACCOUNT FEATURES
No monthly maintenance charge{{d1038*}}
No minimum balance requirement
No minimum transaction requirement
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
$0/month{{d1038*}}
regularly $4.95/mo. if requirements are not met i
$0/month{{d1038*}} with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment.
CHECKING ACCOUNT FEATURES
No overdraft fees{{d1041*}}
Checkless account with M&T Debit Card
No monthly maintenance charge with just one transaction{{d1038*}}
Every checking account has something different to offer.
View the benefits and features side by side to easily choose the checking account that works best for you.
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.
Save for what matters most with a great rate CD
A low minimum requirement
Open a CD with a minimum deposit of just $1,000{{d2028*}}, no matter the term you select.
Fixed rates
We let you lock in your rate – and that rate is guaranteed for the term of your M&T CD.
Flexible terms
Choose from a wide range of terms from 32 days to 120 months.
Award-Winning Customer Satisfaction
2024 J.D. POWER AWARD RECIPIENT
M&T has been awarded #1 in Customer Satisfaction with Mobile Banking Apps among Regional Banks.
Banking built with you in mind.
TURN TO US FOR OUR STABILITY
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.
