M&T Tailored Business Checking

A checking account that lets you choose the features that are the most fitting for your business while letting you save on fees.

 M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) fees, even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

Get the Benefits of Banking Built for Business®

With M&T Tailored Business Checking, we offer multiple ways to waive the monthly maintenance fee. Plus, get added benefits with each account you link.

 M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) fees, even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

Merchant Services

One monthly merchant services fee of $9.95 includes most maintenance costs.

Waive checking monthly maintenance fee if you deposit merchant proceeds into M&T Tailored Business Checking account.

 

$9.95 monthly fee includes all monthly charges except for: PCI non-compliance fees, any equipment costs (purchase or rental), any software charges, and transaction processing charges.
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.
 M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) fees, even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

Business Rewards Credit Card

Earn unlimited 2% cash back on every purchase. 

Waive checking monthly maintenance fee with $2,000 in credit card purchases per month. 

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice.
 M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) fees, even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

Business Savings Accounts

Earn a preferred relationship interest rate. 

No charge for overdraft transfers.

Waive checking monthly maintenance fee with $25,000 average ledger balances between linked checking and savings accounts. .

To have qualified for this relationship annual interest rate, a Commercial Savings account and M&T Tailored Business Checking must be opened under the same account owner with a minimum balance of $100.00. Annual interest rate will be applicable to deposits less than $1,000,000. Commercial Savings is a variable-rate account; accordingly, the interest rate may change. The interest rate will be set by M&T Bank at its discretion without reference to any index, formula or schedule.
 M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) fees, even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

M&T Tailored Business Checking is designed for your needs.

Get all the features you need, and none of those you don’t. It’s simply a smarter way to do business.

Save your money.

Pay no monthly maintenance fee for three months. After that, we offer several ways to waive the fee. 

 M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) fees, even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

Access from anywhere.

With M&T Online and Mobile Banking for Business, including Mobile Check Deposit 

Deposits are subject to verification. Funds from mobile check deposits will not be available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply.

Manage with ease.

No surprises with clear and transparent rates, fees and account limits for smoother transactions

M&T is Banking Built for Business®

All M&T checking and savings accounts are subject to M&T standard account agreements.
​All products and services are subject to eligibility and restrictions may apply.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.