M&T Bank : M&T Assurance
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Rest assured with M&T Assurance. Prevent. Detect. Resolve

M&T Debit CardFAQsCard Security Tips

M&T AssuranceYour M&T Debit and Credit Cards are safer than carrying cash.
Have peace of mind using your M&T Debit Card or M&T Credit Card in person, on the web and over the phone knowing you're covered with M&T Assurance to help prevent, detect and resolve card fraud.

    Debit Card Credit Card
FRAUD PREVENTION A 3 Digit Security Code on the back of your card helps provide internet and phone security by helping to verify you're in possession of your card.

Verified by Visa®1 helps to confirm your identity through a personal password while you’re shopping online at participating merchants.


Chip Technology encrypts cardmember information into a unique code. check-mark check-mark
FRAUD DETECTION Real Time Fraud Monitoring screens your account 24/7 to help you detect suspicious card activity outside your normal purchasing pattern.
Security Alerts2 can notify you via text messages and email when potentially suspicious activity occurs or your PIN is changed. You can also receive approved and declined transaction alerts.  
FRAUD RESOLUTION Visa Zero Liability Policy3 to help protect you against unauthorized use of your card.
Expedited Card Replacement4 gives you the option to get lost or stolen cards replaced quickly - in most cases by the next business day.

So whether it’s a burger at lunch, gas, groceries, movie rentals or a cup of coffee, reach for your M&T Debit Card or M&T Credit Card instead of cash knowing you have protections to help defend against card fraud with M&T Assurance.

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1 Verified by Visa® is not available on the M&T Business Debit Card.

2 M&T Bank Alerts are available for your M&T Debit Card through M&T Online Banking (not available for Retail Credit Cards). Suspicious activity alerts notify customers of certain potential fraudulent activity on their M&T Debit Card. Alerts are designed to be a helpful account management tool but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply. 

3 Visa’s Zero Liability Policy covers U.S.-issued cards only, and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use.  Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit. See your cardholder agreement for more details.

4 Rush delivery available upon request. Timing depends upon when order is received and where shipped. Fees may apply, please see a branch representative for details.

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, its features and terms are subject to change at any time in accordance with applicable laws and agreements.

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