Compare Checking Accounts

EZChoice Checking is considered a New York Basic Banking Account and a New Jersey Consumer Checking Account.

For branches in New York State: Customers may voice a complaint by calling the NYS Department of  Financial Services at 800-342-3736.

MyWay Banking from M&T Bank® is considered a Connecticut Basic Banking Account.

For branches in Connecticut: Customers may voice a complaint by calling the Connecticut Department of banking at 800-831-7255.

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 and agreements. Please contact an M&T representative for details.

There is no monthly maintenance charge, but other transaction and service fees, including overdraft fees, may apply to this account.

If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. In the case that your account is overdrawn, you will not be charged an overdraft fee. MyWay banking accounts are not eligible to be linked to an Overdraft Line of Credit.

Fees and account features will vary by region.

Maintain combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances and investments.  For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through M&T’s Contact Center.

M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, DC. 

M&T will reimburse the checking account (up to $2 per transaction) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, DC.

MyChoice Plus Checking is available with or without interest. 

 Loans are subject to credit approval and certain restrictions may apply.

No fee for standard checks and 50% discount on other check styles.

Even when no monthly maintenance charge applies, M&T checking, savings and money market accounts may be subject to other transaction and service fees, including overdraft fees, as noted in the Specific Features and Terms for each account and the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking and Savings Accounts, which are available on request at any M&T banking office or through M&T’s Contact Center. Overdraft fees will not be charged to a MyWay Banking account.

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 are subject to credit approval. Fees may apply for a transfer using your M&T Overdraft Line of Credit and M&T Visa Credit Card. There is no transfer fee for automatic transfers to a Power Checking account or a MyChoice Premium Checking account.

Waiver of annual rental fee of $50 or less for one safe deposit box or 50% discount on the annual rental fee for one safe deposit box with a fee of more than $50 (up to a maximum discount of $200). Location of safe deposit boxes subject to availability.

Even when no monthly maintenance charge applies, M&T checking, savings and money market accounts may be subject to other transaction and service fees, including overdraft fees, as noted in the Specific Features and Terms for each account and the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking and Savings Accounts, which are available on request at any M&T banking office or through M&T’s Contact Center. Overdraft fees will not be charged to a MyWay Banking account.

All checking accounts require a minimum $25 opening deposit. All M&T checking accounts are subject to M&T standard account agreements.