Last updated: April 17, 2025

This Cookie Notice explains how M&T Bank (“M&T Bank”, "we", "us", and "ours") uses cookies and similar site visitor tags to recognize you when you visit our websites and access our online services ("Online Services") to support essential functions for those services and to personalize your experience.  This notice explains what these technologies are and why we use them, as well as your rights to consent to those being used to track your site visit behavior.

Cookies are small data files that are placed on your web browser when you visit a website. Cookies are widely used by website owners to make their websites work, or to work more efficiently, as well as to provide reporting information used to understand customer behaviors and use of sites or pages.  We also use Cookies to help personalize your visit experience to M&T websites.

Visitor tags, including those sometimes referred to as web beacons or pixels, are similar small files on our M&T websites, not the user’s browser, that use a unique identifier enabling us to recognize when someone has visited our websites or opened an e-mail that we have sent them. This allows us to monitor the traffic patterns of users from one page to another within our Online Services, to understand whether you have come to our website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of e-mail marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning.

We may refer to cookies and visitor tags here collectively as “cookies”. Those built by M&T are called "first-party" cookies and these are placed and managed by M&T. M&T may also use cookies built by other providers that enable features on their sites, these are referred to as “third party” cookies and are also placed  and managed by M&T . Third-party cookies help enable third-party features or functionality to be provided on or through the website (e.g. advertising, interactive content and analytics). The parties that own these cookies can recognize your computer or browser both when you visit the website in question and when you visit certain other websites. 

The duration of time that a cookie remains on your browser is determined according to their purpose, and in general they have a lifespan of one year after last use. You can delete any persistent cookies manually through your web browser controls.  Visitor tags persist on the website until we remove them, whether they track your usage depends on their purpose (essential or non-essential) and the consent you select.

These cookies are used to present you with specific ads, content, or webpage experiences when visiting our Online Services, to make your visit more personalized and relevant.  They use data provided from other cookies to understand who the visitor is and if there is a specific ad, page or experience that should be displayed to you based on an audience you are part of or based on your prior visit to our Online Services.

These cookies include: 

For optional visitor tags, you have the right to decide whether to accept all, reject all, or manage the selection of visitor tags you on our website. You can exercise your preferences by clicking on the cookie preference center .

 Please also note that your cookie settings are configured on a per device basis, rather than on a per user basis. This means that if you access our Online Services using different devices you will need to select your cookie preferences on each device.

You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. Visit your web browser’s help menu for more information on ways to manage visitor tags as those means vary from browser to browser. 

In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit http://www.aboutads.info/choices/ or http://www.youronlinechoices.com.

We may update this Cookie Notice from time to time to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons.  Please therefore re-visit this Cookie Notice regularly to stay informed about our use of cookies and related technologies.  

The date at the top of this Cookie Notice indicates when it was last updated.