Enjoy a $400 cash bonus
Earn a bonus when you open an M&T personal checking account and complete the qualifying activities below.{{d2129*}}
Enjoy a $400 cash bonus
Earn a bonus when you open an M&T personal checking account and complete the qualifying activities below.{{d2129*}}
Earn your cash bonus in just two simple steps{{d2129*}}
Open your checking account
Apply online or visit your local M&T Bank to open an eligible account* by November 2, 2026 using the promo code TN.
*Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking.
Complete your qualifying activities
Set up and receive qualifying direct deposits totaling at least $500 within 90 days of account opening.
Find the right account for your banking needs and earn a $400 bonus offer
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
MyChoice Plus
Enjoy ATM surcharge rebates{{d1029*}}, {{d1042*}} and the option to earn interest.{{d2132*}}
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{{d2132*}}
Discounted personal loan rates{{d1030*}}
No fee at non-M&T ATMs{{d1029*}}
MyChoice Premium{{d2133*}}
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*}}
Find the right account for your banking needs and earn a $400 bonus offer
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
MyChoice Plus
Enjoy ATM surcharge rebates{{d1029*}}, {{d1042*}} and the option to earn interest.{{d2132*}}
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{{d2132*}}
Discounted Personal Loan rates{{d1030*}}
No fee at non-M&T ATMs{{d1029*}}
MyChoice Premium{{d2133*}}
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*}}
Benefits included with M&T personal checking
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*}} and real-time account alerts to stay on top of your finances wherever you are.
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*}}
Bank with confidence
For more than 165 years, M&T Bank has helped customers manage their finances through every stage of life. Count on the strength, stability and personal service you deserve from your bank.
