CARD SECURITY FEATURES

Credit and debit card fraud protection

Take steps to reduce chances of fraud occurring by using protected cards.

Report Fraud
Learn About Alerts

M&T’s Debit and Credit Card Fraud Solutions

Use your M&T card with confidence. We’re working continuously to keep you protected.

Our credit card fraud prevention measures start with a three-digit Security Code on the back of your card that helps to verify that you’re in possession of your card in the case of internet or phone transactions.
Visa Secure further confirms your identity when you’re shopping online at participating merchants.
Your card’s contactless and chip technologies encrypt your information into a unique code for more protection.
Get real-time fraud monitoring with M&T alerts. Receive security notifications by text and email when potentially suspicious activity occurs or your PIN changes.
M&T can temporarily freeze your card to prevent transactions if it is lost or misplaced. The Visa Zero Liability Policy also provides protection against unathorized use if it is stolen.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking. Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T 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. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. 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.
The Visa 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. See your cardholder agreement for more details.

Protect your pin

Never write your PIN on your card or anywhere near your card. And always shield your card number when performing a transaction in a public place so that it can’t be copied or photographed.

Limit account access

Never lend your debit or credit card to anyone. If you want to allow access to your account, consider opening a joint checking or savings account or add them as an authorized user to your credit card.

Monitor account activity

Review your monthly statements to find any unfamiliar transactions. And enroll in eStatements to keep your sensitive account information out of the mail.
Help protect your account with real-time fraud monitoring. Sign up for M&T Alerts, to receive timely updates about spending and suspicious activity via text or email.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking. Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T 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. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. 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.
Enroll In Alerts
Visa® is a registered trademark of Visa International Service Association.
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.