You can find your current APR for your credit card in the “Account info” tab in your M&T Online Banking platform or by reviewing the Interest Charge Calculation portion of your monthly statement.

The Prime Rate is a benchmark interest rate used to set rates on consumer loan products, such as credit cards. Prime Rate is based upon the Federal Reserve’s Fed Funds Rate. You can find the current Prime Rate in the money rates column of The Wall Street Journal. If your credit card has a variable APR based on Prime Rate, whenever the Prime Rate changes, the variable APR on your account will likely change with it. 

Customers can find their current index rate on the first page of their monthly credit card statement.  

Your minimum monthly payment is the greater of $15 or 2.5% of the outstanding balance of your account at the end of the billing period, plus the greater of (i) any amounts over limit or (ii) any past due amounts. As a result, if Prime Rate changes, your variable APR changes along with your interest charges which may increase your outstanding balance which may cause an increase to your minimum monthly payment.  

A single late or missed payment may impact credit reports and credit scores. In addition to being reported as late, customer may also incur late fees due to the missed payment. 

You can change your payment due date by calling 1-866-279-0888 or by visiting your local branch. 

Online -
Enroll in Online Banking and make transfers from your M&T checking or savings account. 

By Phone -
Call 1-866-279-0888 to make a payment or set up recurring payments. 

In Person or at an ATM -
Find an M&T branch  or ATM to make a payment or set up recurring payments.  

By Mail -
Mail payments to: 

M&T Bank 

Credit Card Payment Processing 

PO Box 62014 

Baltimore, MD 21264-2014 

You can set up a recurring credit card payment in the “Transfer Between Your M&T Accounts” page in your M&T Online Banking platform. The payment amount and frequency can be adjusted to meet your needs. Alternatively, you may visit a branch or call 1-866-279-0888 to set up a recurring payment.