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EXPLORE OUR
LENDING CALCULATORS.

You're unique. Our lending calculators are designed to give you a personalized
perspective about smart solutions to meet your financial goals.

Learn More


MORE CHOICES. MORE POSSIBILITIES.

Explore products and services designed to help you reach your goals.Disclosure
number, please reference additional details in the Disclosures section at the
bottom of this page.
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.
 * Checking
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THE SPOTLIGHT SHOP

Celebrating Women’s History month by shining a light on women-owned businesses
from the communities M&T serves. Highlighting everything from restaurants to
retail, check out which ones are featured near you!

Visit the Shop


ANNUAL LETTER TO SHAREHOLDERS FROM RENÉ

Trust arrives on foot, but leaves on horseback. After a year during which a
perennial expectation of trust in the U.S. banking sector was shaken, René notes
that reestablishing industry confidence may take time.

Yet, despite last year’s bank failures against a landscape of rising interest
rates and ongoing pandemic reverberations, by many measures 2023 can be
considered a banner year for M&T. We remain vigilant on managing risk and
continue to prize the ever-present goal of enriching the places and spaces we
share with our customers.

Artist: Silvia Lopez Chavez is a painter, muralist and illustrator, with her
work framed by her experience as an Afro-Caribbean woman living and working in
Boston.


Read More


HELP CENTER


WHAT CAN WE HELP YOU WITH TODAY?

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BANKING WITH M&T

"Small business is the heartbeat of a community. M&T Bank is definitely
committed to independent businesses. They really worked with us from the
beginning. They are just as committed to our business as we are."2Disclosure
number, please reference additional details in the Disclosures section at the
bottom of this page.3Disclosure number, please reference additional details in
the Disclosures section at the bottom of this page.

Source: Coalition Greenwich 2022 Commercial Banking Program.
According to statistics released by the U.S. Small Business Administration (SBA)
for total approved loans through the SBA's 7(a) lending program during the
federal fiscal year ending 9/30/2023.
Laura and David Alima
Owners of the Charmery



TOP 10 SBA LENDER 3DISCLOSURE NUMBER, PLEASE REFERENCE ADDITIONAL DETAILS IN THE
DISCLOSURES SECTION AT THE BOTTOM OF THIS PAGE.


According to statistics released by the U.S. Small Business Administration (SBA)
for total approved loans through the SBA's 7(a) lending program during the
federal fiscal year ending 9/30/2023.


TOP 5% OF BANKS 2DISCLOSURE NUMBER, PLEASE REFERENCE ADDITIONAL DETAILS IN THE
DISCLOSURES SECTION AT THE BOTTOM OF THIS PAGE.


Source: Coalition Greenwich 2022 Commercial Banking Program.
M&T MOBILE BANKING


SIMPLE, ENCRYPTED AND ALWAYS IN YOUR POCKET.4DISCLOSURE NUMBER, PLEASE REFERENCE
ADDITIONAL DETAILS IN THE DISCLOSURES SECTION AT THE BOTTOM OF THIS PAGE.
DISCLOSURE NUMBER, PLEASE REFERENCE ADDITIONAL DETAILS IN THE DISCLOSURES
SECTION AT THE BOTTOM OF THIS PAGE. DISCLOSURE NUMBER, PLEASE REFERENCE
ADDITIONAL DETAILS IN THE DISCLOSURES SECTION AT THE BOTTOM OF THIS PAGE.
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 FOR BUSINESS. VIEW THE M&T DIGITAL SERVICES AGREEMENT FOR
ADDITIONAL DETAILS.
IPHONE® IS A REGISTERED TRADEMARK OF APPLE, INC. REGISTERED IN THE U.S. AND
OTHER COUNTRIES. ANDROID™ IS A TRADEMARK OF GOOGLE LLC. USE OF THESE TRADEMARKS
IS SUBJECT TO THE RESPECTIVE OWNER'S PERMISSION.
M&T BANK IS NOT ENDORSED, SPONSORED, AFFILIATED WITH OR OTHERWISE AUTHORIZED BY
APPLE INC. OR GOOGLE LLC.


SEND & RECEIVE MONEY


DEPOSIT CHECKS ON THE GO


AVAILABLE ON ANDROID AND IOS


MONITOR YOUR SPENDING HABITS

Mobile Banking

Multicultural Banking


REFLECTING OUR COMMUNITIES.

M&T is investing in the growth and sustainability of the businesses and
communities we serve, attracting and retaining diverse clients and colleagues
across our organization so we can truly reflect our multicultural communities.

Learn More
Partnering for Change in the Communities We Serve
$34.9 million
IN LOCAL GRANTS
$1.6 billion
IN COMMUNITY LOANS
> 50,000
EMPLOYEE VOLUNTEER HOURS

Volunteering


TIME IS OUR MOST VALUABLE ASSET.

When it comes to giving back, we prefer sharing our time with the people in our
community. Our employees receive 40 hours of volunteer time to share with the
organization that speaks to them.

Learn More


MORTGAGE ASSISTANCE PROGRAMS >



WE’RE HERE TO HELP. LEARN ABOUT THE PROGRAMS WE OFFER TO HELP YOU THROUGH YOUR
MORTGAGE AND HOME EQUITY LOAN HARDSHIP.




WHY BANK WITH M&T?

We understand what’s important. That’s why we’ve built a banking experience with
you in mind.

Help us make your banking experience better.
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CONTACT US

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ABOUT

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Equal Housing Lender. Bank NMLS #381076. © 2024 M&T Bank. Member FDIC. All
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DISCLOSURES:

 1.  There is no monthly maintenance charge, but other transaction and service
    fees, including overdraft fees, may apply to this account.
 2. Source: Coalition Greenwich 2022 Commercial Banking Program.
 3. According to statistics released by the U.S. Small Business Administration
    (SBA) for total approved loans through the SBA's 7(a) lending program during
    the federal fiscal year ending 9/30/2023.
 4. 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 for Business. View the M&T Digital
    Services Agreement for additional details.

 * 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.
 * iPhone® is a registered trademark of Apple, Inc. registered in the U.S. and
   other countries. Android™ is a trademark of Google LLC. Use of these
   trademarks is subject to the respective owner's permission.
 * M&T Bank is not endorsed, sponsored, affiliated with or otherwise authorized
   by Apple Inc. or Google LLC.



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Such Third-Party Website's owner/operator may be regulated by governmental
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Equal Housing Lender. Member FDIC. Bank NMLS #381076. ©2023 M&T Bank. All rights
reserved.

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