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One M & T Plaza
Buffalo, NY 14203

M&T Bank is a publicly traded (NYSE: MTB), New York-based bank that offers an array of personal, business, and commercial banking products and services. With over 15,000 employees, and tens of billions of dollars in assets, M&T is one of the largest commercial banks in the United States.

On its personal banking side, M&T Bank offers checking, savings, Money Market, and Certificate of Deposit (CD) accounts, as well as investment guidance, retirement planning, and web trading services. Checking account options are numerous and range from free and basic to premium and interest bearing. The bank’s free and college checking account options are very similar and come with no monthly fees and a check card. The premium checking account offers minimal interest and has a monthly service charge that can be avoided by either keeping a minimum account balance or taking out a mortgage loan with the bank. All of M&T Bank’s checking accounts allow account holders to avoid an insufficient funds charge when the violating purchase is less than $5. A savings account is available with a low yield and a monthly service charge unless certain requirements are met. Two Money Market account options are available: one MMA has no monthly service fee but offers a low interest rate, and the other MMA offers more competitive rates with a monthly service charge. Certificates of Deposit (CDs) are available in term lengths ranging from 6 to 60 months.

M&T Bank online banking provides a secure system for account holders to view past transaction history, transfer funds, pay bills, and set account alerts. The M&T website is optimized for mobile banking, and the bank has released a smartphone app to make it easy and convenient to perform the above tasks while on the go.

M&T Bank was originally established in 1856 and is headquartered in Buffalo, New York. The bank is a subsidiary of M&T Bank Corporation, a bank holding company that has grown substantially through numerous acquisitions of financial institutions in the past 25 years. M&T Bank maintains a multitude of branches located throughout the Midwest, Northeast, and parts of south Florida.

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M&T Bank $150 Checking Bonus Extended - 10/5/2016

M&T Bank has extended its $150 checking bonus through September 30, 2016. Available in-branch and online in CT, DC, DE, FL, MD, NJ, NY, PA, VA, and WV.

M&T $150 Bonus With $100 DD (New Account) - 5/16/2016

The promotion is available again for the market area.   1. We will credit one bonus (the "Bonus") to the account if the account receives a minimum of one direct deposit in the amount of at least $100 within 90 days of account opening. This offer is valid on new accounts opened before 6/30/2016. Qualifying direct deposits include, but are not limited to, electronic deposits such as payroll or Social Security and do not include electronic money transfers or credits such as account-to-account transfers or those made through internet payment services. Bonus will be credited to the account within 90 days of direct deposit activation as long as the account is in good standing. Bonus is reportable for tax purposes. Only one bonus will be rewarded regardless of the number of accounts, titling on account and the number of direct deposit arrangements established. Bonus offer is not available for Health Savings Accounts, may vary by product and region, is limited to one per customer, an

M&T Bank Offers $150 Checking Bonus Online and In-Branch - 1/9/2016

M&T Bank is offering a $150 Cash Bonus when open a new personal checking account now through March 31, 2016. Available to residents of DC, DE, FL, MD, NJ, NY, PA, and WV.

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Best everyday bank and beyond

Posted by: Kevvo | 21 hours ago

Great customer service throughout its many branches. Amazing online banking and mobile. Has an easy to use ability, great look and feel. Offer many good products with great rates and free checking and savings accounts including promotions such as free $150.00 with direct deposit in a checking account.

Seems Fine To Me

Posted by: 10094DD | Jul 6, 2013

I have been with M&T for 20 years with no problems, and no, I don't keep a lot of money there, yet I have always been treated very well by customer service--in fact, extremely well.  I have no-fee checking (and connected savings), and pay nothing to use their ATM.  There are some fees of course--excess use of ACH transfer fees for example, or the use of another bank's ATM--but I'm not sure if these fees are unreasonable compared to those of many other banks/credit unions.  I guess they have to be compared.  I have managed not to pay a single fee in a decade.  M&T is a 5-star bank in terms of its financial health--in 2008 it was one of the rare banks that was financially sound.  Would you prefer a bank that is going to collapse in bad times?   I think this is a fine institution, although I have never held a mortgage here.    


Why the heck is the online banking/mobile app constantly a problem for me? I am so sick of this and now it's Christmas season and I call the automated system to check my balance before a purchase and it's $400.00 missing from just last night!!!! I don't know if it's hackers or what BECAUSE I CAN'T FRIGGIN ACCESS MY INFORMATION!!! I'm so annoyed and scared what the FUCK!!!

Extremely Poor Customer Service!!

Posted by: POcustomer | Oct 6, 2016

Waiting 3 months to receive $900, two extra payments they took out after the account was closed and payed in full. Several calls made over 3 months and they continue to blame the postal service for being unable to deliver the money they owe me. Just ridiculous and no customer service whatsoever!!



Health Grade Components

FDIC Certificate #588
Year Established1856
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD8.44%
Annual Interest Income$1.94B
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$123.1B$96.41B
LoansQ2 2016vs Q2 2015$87.23B$66.80B
DepositsQ2 2016vs Q2 2015$95.73B$73.71B
Equity CapitalQ2 2016vs Q2 2015$15.40B$11.73B
Loan Loss AllowanceQ2 2016vs Q2 2015$966.2MM$925.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.38B$889.9MM
Real Estate OwnedQ2 2016vs Q2 2015$170.3MM$60.5MM
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Always verify rates and promotions with the bank or credit union. We are not M&T Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

M&T Bank Savings Account Rates

0.02%-$2,500Relationship Savings
0.02%-$2,500M&T Starter Savings

M&T Bank Money Market Rates

0.47%*$100k*$1mMyChoice Money Market (Premium)
OTHER TIERS: 0.05% Up to $10k | 0.20% $1mm+ | 0.36% $10k - $25k | 0.39% $25k - $50k | 0.43% $50k - $100k
0.39%*$50k*$1mMyChoice Money Market (Regular)
OTHER TIERS: 0.04% Up to $10k | 0.13% $1mm+ | 0.34% $10k - $25k | 0.36% $25k - $50k
0.05%-$2,500M&T e-Money Market

M&T Bank Checking Account Rates

0.05%*$100k*-MyChoice Premium Checking
OTHER TIERS: 0.01% Up to $50k | 0.03% $50k - $100k
0.01%--M&T Classic Checking
0.01%--MyChoice Plus Checking

M&T Bank CD Rates

1.11%--60 Month Promo CD
0.90%--36 Month Select Promo CD
0.50%--24 Month Select Promo CD
0.40%--18 Month Select Promo CD
0.30%--12 Month Select Promo CD
0.15%--6 Month Select Promo CD

M&T Bank has 800 locations. Click to view all M&T Bank locations.