Simple and tailored to your needs - banking just got easier
M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus.{{d2068*}}
Plus, discover more ways to bank with us
Reach your savings goals faster with M&T Relationship Savings or get our most rewarding credit card with an M&T Visa® Signature Credit Card. Learn More >
Plus, discover more ways to bank with us
Reach your savings goals faster with M&T Relationship Savings or get our most rewarding credit card with an M&T Visa® Signature Credit Card. Learn More >
Get started and earn a $400 cash bonus{{d2068*}}
Open your checking account
Apply online or visit your local M&T Bank to open an eligible personal checking account* by August 31, 2026 using the promo code TU.
*Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking.
Complete your qualifying activities
Set up qualifying direct deposits totaling at least $500 within 90 days of account opening.
Enjoy your $400 cash bonus
Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits.
Explore checking account options
MyChoice Premium{{d2123*}}
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.{{d2122*}}
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
No fee at non-M&T ATMs {{d1029*}}
Interest-bearing option{{d2122*}}
Discounted personal loan rates{{d1030*}}
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.{{d2104*}}
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.
CHECKING ACCOUNT FEATURES
No overdraft fees{{d2104*}}
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.
Explore Checking Account Options
MyChoice Premium
Offering the most premium features, benefits and perks.
MONTHLY MAINTENANCE CHARGE
$24.95/month or $0/month{{d1038*}} if requirements are 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.{{d2122*}}
MONTHLY MAINTENANCE CHARGE
$14.95/month{{d1042*}} or $0/month{{d1038*}} if requirements are meti
$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{{d2122*}}
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.{{d2104*}}
MyWay Banking is not eligible for a cash bonus.
MONTHLY MAINTENANCE CHARGE
$4.95/month or $0/month{{d1038*}} if requirements are meti
$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{{d2104*}}
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.
More great benefits with every M&T Personal Checking
While each personal checking 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.
Customize your debit card.
Add personality to your purchases with custom card designs at no additional fee.{{d1045*}}
Get cash when you need it.
Visit one of our 900+ branches and 2,000 ATMs to access your money.
Use contactless checkout.
Add your card to your digital wallet for fast, easy checkout, online or in-store.{{d2099*}}
Plus, discover more great ways to grow your money
M&T Relationship Savings–start saving for your goals.
No monthly maintenance charge with any personal M&T checking account{{d2110*}}
Easily move money between M&T accounts
Link to your M&T checking account for overdraft protection{{d2100*}}
Make everyday spending more rewarding with an M&T Visa® Signature Credit Card.
Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening{{d2065*}}
Earn an unlimited 1.5% cash back on every purchase with no spending cap or rotating categories{{d2065*}}
0% intro APR for 12 billing cycles on purchases and balance transfers (with a 4% balance transfer fee). Variable APR between 17.74% - 21.74% thereafter.{{d2066*}}
Travel smarter with no foreign transaction fees {{d2066*}}
No annual fee{{d2066*}}
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.
