M&T Bank : How a Debit Card Works
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How a Debit Card Works. Request CardCustomer handing M&T debit card to a sales clerk

An M&T Debit Card is a convenient way to pay for everyday purchases.
When you use an M&T Debit Card, you’ll have convenient access to your money – so there's no need to write checks or fumble for change during a purchase or make frequent trips to the ATM. And because of new chip technology, your purchases are better protected from fraud and counterfeit transactions when used at a chip-enabled terminal.

When you make a purchase with an M&T Debit Card, the cashier or the card reader will ask whether you want to use your card as “debit” or “credit”. Either way, the money is deducted from your M&T checking account.1

Debit or Credit? Either way, you won’t pay an M&T transaction fee for purchases in the U.S.2

  • DEBIT – If you use the card as “debit,” you enter your personal identification number (PIN) to authorize the transaction. You may also have the option at participating merchants to get cash back when you make a debit purchase, similar to accessing an ATM. Regardless, the money is deducted from your M&T checking account.1
  • CREDIT – If you use the card as “credit,” you simply sign for your purchase (like a credit card) instead of entering your PIN. It is important to understand that when using the card as “credit” it does not actually draw money from a credit card line of credit, but rather the money is deducted from your M&T checking account.1

With an M&T Debit Card, you can pay for everyday purchases – no purchase is too small – including:

  • Fast food
  • Groceries
  • Gas and automotive services
  • Movie tickets
  • Dining
  • Retail merchandise
  • Prescriptions
  • Internet/online purchases
  • Phone orders
  • and more!

Need help?

1 If there is not enough money available in your checking account for the purchase and you have signed up for an optional M&T Overdraft Protection Plan, funds needed to cover your purchase may be paid under the terms of your M&T Overdraft Protection Plan. Overdraft protection is available either through a link to an M&T savings account, M&T Visa® Credit Card or M&T Overdraft Line of Credit. Overdraft Line of Credit and M&T Visa® Credit Card subject to credit approval. Fees apply for the use of overdraft services.

2 M&T does not charge fees for using your M&T Debit Card for purchases in the U.S.; however, fees will apply if you use your card outside the U.S., including online purchases with a merchant located outside of the U.S. You must have sufficient funds available in your account. In addition, other fees, including overdraft fees may apply to your deposit account or linked overdraft line of credit, or credit card account, according to the terms of your account.

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.


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