Get the personalized banking experience you deserve and a bonus
From MyChoice Plus Checking, which delivers all the essentials, to MyChoice Premium, offering a higher level of benefits, M&T makes it effortless to choose the account that best fits your needs.
Get the personalized banking experience you deserve and a bonus
From MyChoice Plus Checking, which delivers all the essentials, to MyChoice Premium, offering a higher level of benefits, M&T makes it effortless to choose the account that best fits your needs.
Getting started is easy:
Step 1.
Open your checking account
Apply online or visit your local M&T Bank to open an eligible account† by May 30, 2026 using the promo code CP.{{d2064*}}
† Eligible accounts include MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking.
Step 2.
Complete your qualifying activities
Set up qualifying direct deposits totaling at least $1,000 within 90 days and maintain an average monthly balance of $10,000 in June & July. {{d2064*}}
Step 3.
Receive your $400 cash bonus
Enjoy your cash bonus after completing qualifying activities, by September 30, 2026.{{d2064*}}
$400 CASH BONUS{{d2064*}}
MyChoice Premium Checking{{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*}}
$400 CASH BONUS{{d2064*}}
MyChoice Plus Checking{{d1040*}}
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*}}
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 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*}}
M&T Platinum Client
M&T Platinum Client is our concierge financial experience designed for your unique life.
View the benefits and learn more about joining M&T Platinum Client.
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.
