Banking that's easy and rewarding.
Open an M&T personal checking account today and earn your bonus when you complete the qualifying activities below.
Plus, discover more ways to bank with us.
Get our most rewarding credit card with M&T Visa® Signature Credit Card. Learn More >
Earning your cash bonus is easy
Open a checking account
$300
Open an eligible checking account by February 27, 2026 and set up qualifying direct deposits of at least $500 within 90 days of account opening.{{d2089*}}
Open a Premium Savings account
+ $150
Maintain an average monthly balance of $25,000 in March and April.{{d2089*}}
Earn your combined bonus.
= $450
COMPONENT WILL NOT USE -- TO DELETE
Earning your cash bonus is easy
Get $300
- Open an eligible checking account by 02/27/26 with promo code TP
- Set up qualifying direct deposits of at least $500 within 90 days of account opening
Get $150
- Open a Premium Savings account by 02/27/26
- Maintain an average monthly balance of $25,000 in March and April
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
Each of our personal checking accounts have something different to offer. Compare our checking account benefits and features side by side to easily choose the one 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 900+ branches and 2,000 ATMs to access your money.
Use contactless checkout.
Tap to pay is here. Add your card to your digital wallet and pay on the go.
Plus, discover more of our great banking services.
M&T Visa® Signature Credit Card – our most rewarding 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 rorating categories{{d2065*}}
Travel smarter with No Foreign Transaction Fees {{d2066*}}
0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening, after that, a variable APR between 17.99% and 21.99 will apply; a 4% balance transfer fee will apply. {{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.
