Image Deposit

Use your own hardware and software to make deposits – and save your business time and money.

How It Works

Also known in the industry as M&T Bank's Image Deposit Cash Letter, Image Deposit allows you to:

  • Capture check images and data using your own imaging equipment
  • Transmit the check images to M&T Bank in an industry standard x9.37 file
  • Have M&T make your deposits and process checks for payment

Benefits for Your Business

Cost Savings

Reduce the high cost of transporting paper checks for deposit.

Enhanced Cash Flow

Make deposits later in the business day for same-day ledger credit. Corporate customers and financial institutions can benefit from same-day availability for checks drawn from M&T Bank.

Take the next step.

To learn more about image deposit services, or to enroll, please call 1-800-724-2240 (Monday–Friday 8am–6pm ET) to speak to one of our experienced Commercial Service Team Representatives, or contact your dedicated M&T Relationship Manager.

M&T Bank’s Image Deposit Cash Letter (IDCL) service is provided subject to M&T Bank’s standard Master Treasury Management Services Agreement and Treasury Management Services Product Terms and Conditions for that service.
Business day is defined as Monday through Friday, except federal holidays.
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.