Win big, the UConn way
Plus up to a $200 bonus{{d2094*}}
Open an eligible M&T personal checking account today and complete the qualifying activities below.
Earn your cash bonus in 3 easy steps
Open your checking account
Apply online or visit your local M&T Bank to open an eligible* checking account by March 31, 2027.{{d2094*}}
Complete your qualifying activities
Set up and receive qualifying direct deposits totaling at least $500 within 90 days of account opening.{{d2094*}}
Enjoy your cash bonus
Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits.{{d2094*}}
*eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking
Explore checking account options
$200 CASH BONUS{{d2094*}}
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*}}
$150 CASH BONUS{{d2094*}}
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*}}
$100 CASH BONUS{{d2094*}}
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
No Cash Bonus
MyWay Banking
Our checkless account without the worry of overdraft fees.{{d2104*}}
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*}}
Explore Checking Account Options
$200 CASH BONUS{{d2094*}}
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*}}
$150 CASH BONUS{{d2094*}}
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*}}
$100 CASH BONUS{{d2094*}}
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 from M&T®
Our checkless account without the worry of overdraft fees.{{d2104*}}
MyWay Banking is not eligible for a cash bonus.{{d2094*}}
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*}}
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.
Prefer to open your account in person?
Have your bonus coupon emailed to you and visit your nearest branch to open your account.
Offer expires March 31, 2027.
Cash bonus offers and products may vary by location.
More great benefits with every 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*}} 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 Relationship Savings — Start saving for your goals.
No monthly maintenance charge with any personal M&T checking account{{d2121*}}
Easily move money between M&T accounts
Link to your M&T checking account for overdraft protection{{d2134*}}
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 rotating 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; a 4% balance transfer fee will apply. Variable 17.74% - 21.74% APR thereafter {{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.
