Compare M&T Checking Accounts
Whether you're in person or on the go, we have checking account options to fit your lifestyle. View the account details side-by-side to help you choose.
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MyWay Banking from M&T Bank®
A checkless account without the worry of overdraft fees.{{d1081*}}
MyChoice Plus
Enjoy ATM surcharge rebates{{d1082*}}, {{d496*}} and the option to earn interest.{{d365*}}
MyChoice Premium
Offering the most checking account perks available at M&T Bank.
| EZChoice Open Account | MyWay Banking Open Account | MyChoice Plus Open Account | MyChoice Premium Open Account |
|---|---|---|---|
| ACCOUNT REQUIREMENTS | |||
| MONTHLY MAINTENANCE FEE IF REQUIREMENTS ARE NOT MET | |||
| $0 | $4.95 | 14.95 | $24.95 |
Common fees for checking accounts (PDF) / Cargos comunes de productos de cuentas de cheques en español (PDF) |
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| OPTIONS TO WAIVE MONTHLY MAINTENANCE CHARGE{{d832*}} | |||
Always |
$0/month{{d832*}} with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment. | $0/month{{d832*}} with an average daily balance of $2,500 or more per monthly service charge cycle OR direct deposits totaling $1,500 or more per monthly service charge cycle. |
$0/month{{d832*}} with an average daily balance of $7,500 or more per monthly service charge cycle OR combined daily average balances of $25,000 or more in eligible accounts{{d52601*}} |
| CONVENIENT WAYS TO BANK | |||
| M&T ONLINE & MOBILE BANKING, WITH MOBILE CHECK DEPOSIT{{d391*}} | |||
ALL CHECKING PRODUCTS |
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| M&T ALERTS | |||
ALL CHECKING PRODUCTS |
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| ZELLE®{{d487*}}, ONLINE & MOBILE BILL PAY{{d685*}} | |||
ALL CHECKING PRODUCTS |
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| M&T DEBIT CARD WITH CUSTOM CARD OPTION{{d941*}} | |||
ALL CHECKING PRODUCTS |
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| MAKING THE MOST OF YOUR MONEY | |||
| RELATIONSHIP SAVINGS ACCOUNT WITH NO MONTHLY MAINTENANCE CHARGE{{d832*}} | |||
ALL CHECKING PRODUCTS |
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| NON-M&T ATM FEES & REBATES | |||
| — | — |
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| INTEREST BEARING CHECKING ACCOUNT | |||
| — | — | {{d365*}} |
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| DISCOUNTED PERSONAL LOAN RATES{{d835*}} | |||
| — | — |
|
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| NO OVERDRAFT FEES{{d1081*}} | |||
| — |
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— | — |
| SECURE DEBIT CARD BACKED BY M&T ASSURANCE® | |||
| FRAUD PREVENTION, FRAUD DETECTION & FRAUD RESOLUTION | |||
ALL CHECKING PRODUCTS |
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| PREMIUM BENEFITS | |||
| FREE STANDARD CHECK ORDERS{{d371*}} | |||
| — | — | — |
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| NO FEE FOR OVERDRAFT PROTECTION TRANSFERS{{d142*}} | |||
| — | N/A | — |
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| SAFE DEPOSIT BOX DISCOUNT{{d197*}} | |||
| — | — | — |
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| NO M&T FEE FOR INCOMING FOREIGN AND DOMESTIC WIRE TRANSFERS | |||
| — | — | — |
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| SPECIAL DEPOSIT INTEREST RATES{{d1026*}} | |||
| — | — | — |
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Open an account in less than 10 minutes.
In-person or online, get started in a few steps.
Choose a checking account.
Select the checking options that matter most to you. Please know you must be 18 years or older to open any of our account options.
Apply online or in person.
If you need help, your local branch can offer support. Once an account has been created, you'll receive a confirmation email.
Start enjoying the benefits.
You'll have the option to enroll in online banking after confirming your account. Your M&T Debit/ATM card will arrive in 7-10 business days.
