Follow your financial dreams with confidence.

Enjoy the freedom of EZChoice personal checking and get the essentials you need with no monthly maintenance fee.

There is no monthly maintenance charge, but other transaction and service fees, including overdraft fees, may apply to this account.

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More Choices. More Possibilities.

Explore products and services designed to help you reach your goals.

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 details.

Annual Letter to Shareholders from René

Trust arrives on foot, but leaves on horseback. After a year during which a perennial expectation of trust in the U.S. banking sector was shaken, René notes that reestablishing industry confidence may take time.

Yet, despite last year’s bank failures against a landscape of rising interest rates and ongoing pandemic reverberations, by many measures 2023 can be considered a banner year for M&T. We remain vigilant on managing risk and continue to prize the ever-present goal of enriching the places and spaces we share with our customers.

Artist: Silvia Lopez Chavez is a painter, muralist and illustrator, with her work framed by her experience as an Afro-Caribbean woman living and working in Boston.

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BANKING WITH M&T

"Small business is the heartbeat of a community. M&T Bank is definitely committed to independent businesses. They really worked with us from the beginning. They are just as committed to our business as we are."

Source: Coalition Greenwich 2022 Commercial Banking Program.

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2025.

Laura and David Alima
Owners of the Charmery

Top 10 SBA Lender

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2025.

Top 5% of Banks

Source: Coalition Greenwich 2022 Commercial Banking Program.

M&T MOBILE BANKING

Simple, encrypted and always in your pocket.
Use of M&T Digital Banking requires an internet connection and compatible device. Availability and performance may vary based on your device, network, or other factors outside of M&T’s control. The service or any of its features may be changed, suspended, or discontinued at M&T’s discretion. While M&T Digital Banking is free for customers with an eligible account, fees may apply to certain optional services. Carrier messaging and data rates may also apply. See the Digital Services Agreement for more details.
iPhone® is a registered trademark of Apple, Inc. registered in the U.S. and other countries. Android™ is a trademark of Google LLC. Use of these trademarks is subject to the respective owner's permission.
M&T Bank is not endorsed, sponsored, affiliated with or otherwise authorized by Apple Inc. or Google LLC.

Send & receive money

Deposit checks on the go

Available on Android and iOS

Monitor your spending habits

Mobile Banking

Multicultural Banking

Reflecting our communities.

M&T is investing in the growth and sustainability of the businesses and communities we serve, attracting and retaining diverse clients and colleagues across our organization so we can truly reflect our multicultural communities.

Learn More

Partnering for Change in the Communities We Serve

$34.9 million

IN LOCAL GRANTS

$1.6 billion

IN COMMUNITY LOANS

> 50,000

EMPLOYEE VOLUNTEER HOURS

Volunteering

Time is our most valuable asset.

When it comes to giving back, we prefer sharing our time with the people in our community. Our employees receive 40 hours of volunteer time to share with the organization that speaks to them.