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M&T Checking
 
Compare Checking Account Types
Browse different checking account types to find the one that's right for you. Whether you're looking for an everyday checking account or a premium account with all the extras, you'll not only find a checking account that meets your individual needs, you'll also receive all the benefits of a relationship with a bank that understands you.

Use the checking account comparison chart below to compare checking accounts and features in order to find the one that will suit your needs best. Once you've found the right account, simply visit your local branch, call 1-800-724-3222 or open your checking account online.
 
The following services and options are available to our personal checking account customers:
  • M&T Online Banking, Bill Pay, and Mobile Banking1
  • M&T Alerts1
  • M&T Debit Card with chip technology
  • Account access at over 1,600 M&T Bank ATMs
  • 24-Hour Telephone Banking Access
  • Overdraft Protection Plans2
 Compare  Accounts Popular Features
MyChoice Premium Checking
  • No monthly maintenance charge3 when you do one of the following during each monthly service charge cycle:
    • Maintain an average daily balance of $7,500 or more in your MyChoice Premium Checking account OR
    • Maintain total combined balances4 of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments,5 and business deposit accounts
  • $24.95 monthly maintenance charge when neither of the above requirements is met
  • No fee at other banks' ATMs6 and refund of other banks' ATM fee7
  • No fee for overdraft protection transfers8
  • Discount on checks and a safe deposit box9
  • Premium rates on a MyChoice Money Market account10
  • Get preferred rates on M&T Select CDs and loans11
  • Get more information
MyChoice Plus Checking
MyChoice Checking
  • No monthly maintenance charge3 when you do one of the following during each monthly service charge cycle:
    • Maintain an average daily balance of $500 or more in your MyChoice account OR
    • Have direct deposits totaling at least $200 in your MyChoice account OR
    • Make 10 or more debit card purchases or payments from your MyChoice account
  • $6.95 monthly maintenance charge when none of the above requirements are met
  • Personalize your account with Custom Add-ons12
  • Get more information
EZChoice Checking
  • No monthly maintenance charge3 when you:
    • Make one or more transactions in your EZChoice account (deposits, withdrawals or payments) during each monthly service charge cycle
  • $6.95 monthly maintenance charge when no transactions are made
  • No minimum balance requirement
  • Get more information
Free Checking
Basic Banking
M&T Classic Checking With Interest
  • No monthly maintenance charge3 when you do one of the following during each monthly service charge cycle:
    • Maintain an average daily balance of $500 or more in your M&T Classic With Interest account OR
    • Maintain total combined balances4 of $1,500 or more in eligible personal deposit accounts OR
    • Have at least 1 direct deposit in your M&T Classic With Interest account OR
    • Make 10 or more debit card purchases or payments from your M&T Classic With Interest account
  • $4.95 monthly maintenance charge when none of the above requirements are met
  • For individuals age 50 and over
  • 25% off most check orders13
  • Get more information
@College Checking®

Related Services
Credit Cards | Direct Deposit | Easy Save | Electronic Statements | Online Services | Overdraft Protection |
Tips on Managing Your Account
1Use 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.
2Overdraft 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 Subject to the terms and conditions of the overdraft protection plan. Fees may apply for the use of overdraft protection plans. Overdraft Line of Credit and M&T Visa Credit Card are subject to credit approval. Regulations limit the number of certain types of withdrawals and transfers that can be made from a savings account during any calendar month.
3Regardless of whether a monthly maintenance charge applies, M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees, as noted in the Specific Features and Terms for each account and, also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
4For detailed information on which M&T accounts are eligible, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through the M&T Telephone Banking Center.
5Brokerage services and Insurance products are offered by M&T Securities, Inc. (member of FINRA/SIPC), not by M&T Bank.
6M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, D.C.
7M&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, D.C.
8No fee for automatic overdraft transfers from your overdraft protection account (M&T savings account, M&T Visa® Credit Card or M&T Overdraft Line of Credit) to your checking account.
9Two orders of standard checks per year (from the date of enrollment) and 50% discount on additional check orders and other check styles. 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).
10On the day your MyChoice Money Market account is opened, and on the last day of each monthly interest payment cycle, we will determine whether your account will receive the Regular Interest Rate or the Premium Interest Rate (both of which may change daily) during the upcoming monthly interest payment cycle. To qualify for the Premium Interest Rate, you must (1) have a MyChoice Premium Checking, Power Checking or Portfolio Management Account, and (2) have made 3 or more qualifying customer-initiated transactions in that checking account during that account's most recently completed monthly service charge cycle. Qualifying customer-initiated transactions include deposits, withdrawals, M&T Online Bill Pay transactions, automatic payments, credit card purchases and payments, and direct deposits. Transfers and payments to other accounts at M&T Bank (including loans and lines of credit) are excluded. Reversals of transactions will be netted against the qualifying transactions. Transactions cannot be aggregated across multiple checking accounts for purposes of meeting this requirement. (Note: If your MyChoice Premium Checking or Portfolio Management Account has been open for less than one monthly service charge cycle on any day we determine the applicable interest rate, your MyChoice Money Market account will receive the Premium Interest Rate during the upcoming monthly interest payment cycle.)
11Loans are subject to credit approval and certain limitations may apply.
13Certain check styles may be excluded from this offer. Applies only to full check orders of 120 checks. Please see an M&T branch representative for full details.

Offers may vary by region. 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 full details.