Simple Checking for Business
Just starting out? We can help you keep it simple with a checking solution that covers the basics.
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LIMITED TIME OFFER - Earn up to a $1,500 cash bonus{{d1290*}}
Open an eligible new business checking account by June 30, 2025, using promo code BW.
Maintain an average ledger balance of at least $5,000 in the third full month after opening the checking account{{d1290*}}
Enjoy your cash bonus after it's credited to your account at the end of the 4th month.
Designed for easy account management, so you can get back to business.
Easy ways to waive the monthly maintenance fee
$10/month or $0/month when requirements are met, monthly maintenance fee{{d918*}}
- Maintain an Average Ledger Balance is at least $2,500 that month OR
- Make 5 or more transaction items{{d369*}} that month
No usage
charges
For the first 100 transactions per month{{d369*}} and first $5,000 in currency deposited.{{d489*}}
Easy account management
Using M&T Online Banking for Business, Mobile for Business and ATMs.
Card security
features
With your M&T Business Debit Card with chip technology.
Open an account online today or visit your local M&T branch.
Simple Checking Fees
Monthly Maintenance Fee
$10.00
Additional Transaction Items Fee{{d369*}}
$1.00 per transaction, in excess of first 100 checks paid, checks deposited, deposited tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits.
Paper Statement Fee
$3.00 (waived if account is enrolled in electronic delivery and does not receive paper statements)
What is required?
OPENING A NEW ACCOUNT
You can open at your nearest M&T Bank branch where a Business Banking Specialist can assist you.
Eligibility Requirements:
- You must be at least 18 years old.
- All applicants are subject to a review of past account handling and verification of the information provided.
- Business documentation may be required depending on business ownership structure (please contact a branch associate for details).
Bank when it's convenient for you.
ONLINE & MOBILE BANKING
Take advantage of services that complement your business checking account. Designed to help manage your account with ease, so you can get back to business.
Ready to get started?
START TODAY
Open your account at your nearest M&T branch, or schedule an appointment with a business banking specialist to learn more.
Top questions, answered by our experts.
Simple Checking for Business FAQs
Absolutely! You can request an M&T Custom Card{{d367*}} with your company’s logo, imagery, a photo of your headquarters or another photo of your choice. Speak to your Business Banking Specialist about how to build your custom card.
There is no minimum balance requirement to keep your M&T Simple Checking for Business account open. If you maintain an Average Ledger Balance of $2,500 or more in the statement period, we'll waive the $10 monthly maintenance fee.{{d918*}}
No two businesses have the same checking needs. That's why we created a range of business checking account options. Check out our Compare Checking Options page to determine which account might be right for your unique needs.
Keeping your information secure is important.
Secure Browsing
Look for a lock next to our web address and "https" at the beginning of our web address to indicate secure pages displaying your sensitive customer information.
Personal Information
M&T Bank never requests your personal information through email, U.S. mail or phone unless you initiate contact or we are completing an application for you.
Phishing
M&T Bank will never send you an email requesting your credentials or personal information. If you receive this type of email, please forward to phishing@mtb.com.
