Welcome to Banking Built for Your Business.
Thanks for choosing to bank with M&T. We'll help you take a few simple steps to get the most out of your new checking account.
Ready? Let's get your account set up.
Enroll in Online Banking and eStatements
Get fast, easy and convenient access to your new checking account and statements.
Fund Your Account
Make a deposit at any M&T branch or ATM or transfer funds online from another M&T account.
Activate Your Card
If you elect to receive a debit card, call the Card Activation Line at (800) 724-4411 or visit an ATM and perform a PIN transaction.
Switch Your Payments
Use our Switch Kit to stay organized as you transfer payments, payroll, and merchant transactions.
Business Education Center
Explore our education center to discover how to take on any aspect of running or growing a business.
Explore Demos
From using Mobile Check Deposit to linking your personal and business accounts, get the most out of your digital tools.
Talk to Your Banker
If you have any questions or would like more information on your accounts or additional solutions, we're here to help.
Spotlight Shop
Are you a small business owner looking to promote your work? The Spotlight Shop offers multiple ways to shine a light on your business within the community.
We're here for you.
We understand that everyone’s situation is different. Your questions and your needs change as you start and grow your business.
Top questions, answered by our experts.
Business Accounts are charged on the 9th of the month, if this day is not a Business Day then the charges will post the following Business Day. This breakdown of fees is provided in the Account Opening Kit. To receive an account analysis statement, please visit your local branch or call 1-800-724-6070.
With most of our accounts, you can avoid the monthly maintenance charge when you meet certain requirements or maintain a certain balance. A full list of these waivers and account features are referenced in our Checking Deposit Grid.
View Business Checking Deposit Grid>
With Overdraft Protection, available funds are automatically transferred to your checking account from another M&T Bank business account. The following are eligible business accounts that can be linked to your Small Business checking account and used for Overdraft Protection:
Your account number is provided with your Account Opening document and on your statement.
Your routing number and account number can be found on the bottom left of your check as well, beginning with the routing number.
Bank to Bank transfer can be completed using Online Banking for Business.
Yes, these types of transfers can be completed using Online Banking for Business.
When you receive your card in the mail, simply call the number shown on the sticker on the front of your card. Once the card is activated, remove the sticker and sign the signature panel on the back of the card.
Business Debit Card
ATM/cash withdrawals:
- 15 withdrawals with a maximum of $1,000 per day
All other transactions combined:
- 20 transactions with a maximum of $7,500 per day
Note: This is a combined limit for VISA "Credit" or Signature transactions and all PIN POS transactions.
M&T Business ATM Cards
ATM/cash withdrawals:
- 9 withdrawals with a maximum of $500 per day
PIN POS purchases:
- PIN POS purchases are not available on ATM cards
Yes, account fee disclosures are provided with Account Opening.
This can be completed using Online Banking for Business.
This can be completed using Online Banking for Business.
Please visit your local branch, contact your relationship manager, or call us at 1-800-724-6070.
Online inquiries such as 'Did the item clear?', 'How to make a company administrator change?,' and 'How to change/add a user on an account?' can be made by your online banking administrator.
When you deposit a check, the bank still has to collect funds from the issuing bank. Business Customers generally receive next day availability on checks deposited.
