When you receive your card in the mail, simply call the number shown on the sticker on the front of your card or activate it at an ATM. Once the card is activated, remove the sticker and sign the signature panel on the back of the card.

For your personal security, your M&T Debit Card does have limits. While these limits should not affect your average use of the card, there are cash withdrawal and purchase limits in place to prevent excessive usage if an unauthorized individual were to use your card. Please refer to the Electronic Banking Card and Telephone Transaction Disclosure and Agreement you received with your card for more information regarding these limits.​

Added benefit: if we notice that your card is being used more frequently than normal, we may request to speak to you at the time you are making a purchase, or we may call you to ensure that your card is not being used fraudulently.​

If you have a damaged card, and would like to get a replacement, you can:

• Log in to Online Banking and select Order a Replacement Card from the Services Menu
• Log in to the M&T Mobile App, select Card Services from the Menu, and select Order a Replacement Card
• Call 1-800-724-2440
• Visit your local branch​

When you make a purchase with an M&T Debit Card, the money is taken out of your linked M&T checking account. Follow the prompts on the terminal to complete your transaction. You may be asked to enter your PIN or sign for your purchase. Either way, you will not be charged a fee for purchases in the U.S.{{d305*}}

Use your M&T Debit Card​​ at millions of locations worldwide, at your favorite online merchant, over the phone and for in-app purchases.​