Open a Tailored Business Checking account and earn up to $1,500 with qualifying activities{{d2018*}}
New business checking customers can earn a cash bonus when opening an M&T Tailored Business Checking account with required activities.{{d2018*}}
Offer good through September 30, 2025.
Offer good through September 30, 2025.
Get your bonus in 3 easy steps
Open a new M&T Tailored Business Checking account
Open online today or visit a local M&T Bank branch to open a Tailored Business Checking account by September 30, 2025. Use promo code BO.
Maintain the average ledger balance requirement
Maintain an average ledger balance of at least $5,000 in the third full month after you open your account.{{d2018*}}
Get your cash bonus
Enjoy your cash bonus! Your account will be credited by the end of the fourth month.
Open a new M&T Tailored Business Checking account
Open online today or visit a local M&T Bank branch to open a Tailored Business Checking account by September 30, 2025. Use promo code BO.
Maintain the average ledger balance requirement
Maintain an average ledger balance of at least $5,000 in the third full month after you open your account.{{d2018*}}
Get your cash bonus
Enjoy your cash bonus! Your account will be credited by the end of the fourth month.
Earn more with a higher balance.
Earn a bonus according to the average ledger balance in your new M&T Tailored Business Checking account. The higher your balance, the more cash you'll get.
LIMITED TIME—NEW CUSTOMER OFFER
Earn up to a $1,500 bonus{{d2018*}}
Tailored Business Checking
A customized business checking account for companies with growing operations and complex cash flow- delivers flexibility, scale, and dedicated support.
ACCOUNT FEATURES
- Pay no monthly maintenance fee for 3 months, with several ways to waive $20 monthly maintenance fee after that{{d2081*}}, {{d2078*}}
- No charge for the first 500 transactions items each month{{d2077*}}
- No charge for first $20,000 currency deposited or supplied per month{{d489*}}
- Worry less with the option to help protect your account from overdrafts.
- Maintain an Average Ledger Balance of at least $10,000 OR
- Maintain a sum of the Average Ledger Balances of the account and any linked Commercial Savings Account of at least $25,000 OR
- Make at least one M&T merchant services deposit into the account that month OR
- Make $2,000 or more in purchases on a linked M&T Business Credit Card
Want to visit a branch? Email yourself a bonus coupon
No Cash Bonus
Business Essential Checking
Best for new or small businesses who need to separate business and personal finances.
ACCOUNT FEATURES
- Monthly maintenance fee: $5/month or $0/month when requirements are met{{d2080*}}, {{d2081*}}
- No charge for the first 25 transactions items each month{{d2077*}}
- No charge for first $2,500 currency deposited or supplied per month{{d489*}}
- Simply carry a $1,000 average daily balance per cycle OR
- Complete $300 in debit card transactions per month{{d2077*}}
ONLINE ONLY
No Cash Bonus
Simple Checking for Business
For businesses with steady activity that need a reliable, straightforward way to manage cash flow, accept payments, and stay organized.
ACCOUNT FEATURES
- Monthly maintenance fee: $10/month or $0/month when requirements are met{{d2079*}}, {{d2081*}}
- No charge for the first 100 transactions items each month{{d2077*}}
- No charge for first $5,000 currency deposited or supplied per month{{d489*}}
- No minimum balance when opening your account
- Maintain an Average Ledger Balance is at least $2,500 that month OR
- Make 5 or more transaction items{{d2077*}}
No Cash Bonus
Business Essential Checking
Best for new or small businesses who need to separate business and personal finances.
ACCOUNT FEATURES
- Monthly maintenance fee: $5/month or $0/month when requirements are met{{d2080*}}, {{d2081*}}
- No charge for the first 25 transactions items each month{{d2077*}}
- No charge for first $2,500 currency deposited or supplied per month{{d489*}}
- Simply carry a $1,000 average daily balance per cycle OR
- Complete $300 in debit card transactions per month{{d2077*}}
ONLINE ONLY
No Cash Bonus
Simple Checking for Business
For businesses with steady activity that need a reliable, straightforward way to manage cash flow, accept payments, and stay organized.
ACCOUNT FEATURES
- Monthly maintenance fee: $10/month or $0/month when requirements are met{{d2079*}}, {{d2081*}}
- No charge for the first 100 transactions items each month{{d2077*}}
- No charge for first $5,000 currency deposited or supplied per month{{d489*}}
- No minimum balance when opening your account
- Maintain an Average Ledger Balance is at least $2,500 that month OR
- Make 5 or more transaction items{{d2077*}}
LIMITED TIME—NEW CUSTOMER OFFER
Earn up to a $1,500 bonus{{d2018*}}
Tailored Business Checking
A customized business checking account for companies with growing operations and complex cash flow- delivers flexibility, scale, and dedicated support.
ACCOUNT FEATURES
- Pay no monthly maintenance fee for 3 months, with several ways to waive $20 monthly maintenance fee after that{{d2081*}}, {{d2078*}}
- No charge for the first 500 transactions items each month{{d2077*}}
- No charge for first $20,000 currency deposited or supplied per month{{d489*}}
- Worry less with the option to help protect your account from overdrafts.
- Maintain an Average Ledger Balance of at least $10,000 OR
- Maintain a sum of the Average Ledger Balances of the account and any linked Commercial Savings Account of at least $25,000 OR
- Make at least one M&T merchant services deposit into the account that month OR
- Make $2,000 or more in purchases on a linked M&T Business Credit Card
Want to visit a branch? Email yourself a bonus coupon
Banking Made for Business helps make banking easy
Designed to help you manage your business when and where it works for you.
No monthly maintenance fee for a limited time
Pay no monthly maintenance fee for first 3 months.{{d2081*}}
FDIC insured
Deposits are FDIC insured up to the maximum applicable limits.
No monthly maintenance fee for a limited time
Pay no monthly maintenance fee for first 3 months.{{d2081*}}
FDIC Insured
Deposits are FDIC insured up to the maximum applicable limits.
Card security
features
With your M&T Business Debit Card with chip technology.
Open a business checking account in 10 minutes or less.
Apply online for a Tailored Business Checking account
Provide details and documents about your business
Submit your first deposit and fund your account
To apply for an account online, you must own and control 100% of your business. All applications must provide:
- Your SSN, personal address, email address & mobile phone number
- Your business's Taxpayer Identification Number (EIN, SSN, ITIN)
- Name, email address and mobile phone number or owner who has 100% ownership of the company
Need help switching checking accounts to M&T?
We know switching banks can be somewhat inconvenient. Here are step-by-step instructions to help make the process a little easier.
Equal Housing Lender. © 2025 M&T Bank. Member FDIC. All rights reserved.