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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. Plus, you can personalize your account by choosing the Custom Add-on1 features that matter most to 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 apply online to open your checking account.
 
The following services and options are available to our personal checking account customers:
  • Custom Add-ons1
  • M&T Web Banking®2, Web Bill Pay, and Mobile Banking2
  • M&T Bank Alerts2
  • M&T Custom Card Option3
  • Account access at over 1,500 M&T Bank ATMs
  • 24-Hour Telephone Banking Access
  • Overdraft Protection Plans4
 Compare  Accounts Popular Features
MyChoice Premium Checking
  • No monthly maintenance charge when minimum balance requirement is met or you have a qualifying M&T Bank mortgage5
  • Personalize your account with 4 Custom Add-ons1 at no monthly subscription fee
  • Complement your MyChoice Premium Checking with a MyChoice Money Market account with premium rates6
  • Get preferred rates on M&T Select CDs and loans7
  • Get more information
MyChoice Plus Checking
MyChoice Checking
  • No monthly maintenance charge with a qualifying direct deposit or 10 or more debit card purchases or payments per month or if minimum balance requirement is met9
  • Personalize your account with Custom Add-ons1
  • Get more information
EZChoice Checking
Free Checking
Basic Banking
M&T Classic Checking With Interest
  • No monthly maintenance charge with direct deposit or 10 or more debit card purchases or payments per month or if minimum balance requirement is met10
  • For individuals age 50 and over
  • 25% off most check orders11
  • Personalize your account with Custom Add-ons1
  • Get more information
@College Checking®

Related Services
Credit Cards | Direct Deposit | Easy Save | Electronic Statements | Online Services | Overdraft Protection |
Tips on Managing Your Account
1The following Custom Add-ons are available only with personal checking accounts, and may have a fee associated with them:

No M&T Fee at Other Banks’ ATMs: M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, D.C. The standard monthly subscription fee is $4.95.

Refund of Other Banks’ ATM Fee: 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, D.C. The standard monthly subscription fee is $4.95. Enrollment in this Custom Add-on requires enrollment in the above Custom Add-on (No M&T Fee at Other Banks’ ATMs) as well. This Custom Add-on is only available for MyChoice Premium Checking and MyChoice Plus Checking accounts.

No Fee for Overdraft Protection Transfers: No fee for automatic overdraft transfers from your overdraft protection account (savings, checking, line of credit or credit card) to your checking account. Enrollment in this Custom Add-on does not guarantee payment of overdrafts if there is not sufficient money in your overdraft protection account. In that situation, NSF or overdraft fees may apply. The standard monthly subscription fee is $4.95.

Enrollment in this Custom Add-on requires an open and linked overdraft protection account. If you enroll in Overdraft Protection with your M&T Visa® Credit Card, or have a linked overdraft line of credit, your overdraft transfers will accrue interest at the applicable APR stated in your credit card or line of credit agreement. Please refer to your credit card or line of credit agreement for additional details.

For new overdraft protection accounts linked to an M&T Visa® Credit Card or an overdraft line of credit, which are subject to credit approval, the rates and fees as of 10/1/13 are as follows:

Credit card: 0% Introductory APR on balance transfers for the first 12 billing cycles. After 12 billing cycles, your rate for balance transfers will be the same as your purchase rate, and will vary with the market based on the Prime Rate. As of 10/1/13, the Annual Percentage Rate for purchases and balance transfers was between 9.24% and 16.24% for M&T Visa® Credit Cards and 11.24% and 18.24% for M&T Visa® Credit Card with Rewards and M&T Visa® Signature Credit Cards, depending on creditworthiness. Your rate for cash advances will be 22.24% and will vary with the market based on the Prime Rate. Your rate for overdraft advances will be 14.24% and will vary with the market based on the Prime Rate. A fee of 4% ($10 minimum) of the amount of each balance transfer will apply. A fee of 3% ($10 minimum) of each cash advance transaction will apply. A fee of $12.50 per day will apply to any overdraft transfers to a linked checking account (waived if one of your selected Custom Add-ons). A fee of 3% of each foreign transaction converted into U.S. dollars will apply (except for M&T Visa® Signature Credit Cards). For any introductory balance transfer offer, the offer period begins at account opening.

Overdraft Line of Credit: 18% APR. A fee for using a credit line check of 2% of each transaction (minimum $2, maximum $20) will apply. A fee of $12.50 will apply to each transfer made by telephone or through Web banking. A fee of $12.50 per day will apply to any overdraft transfers to a linked checking account (waived if one of your selected Custom Add-ons).

Standard Checks & Safe Deposit Box: Two 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). Due to the nature of this benefit, enrollment in this Custom Add-on cannot be canceled for 12 months. The standard monthly subscription fee is $4.95. Location of safe deposit boxes subject to availability.

Credit Score: Log in to M&T Web Banking® to view your FICO® credit score and key factors affecting your score (provided by Equifax), updated monthly. The standard monthly subscription fee is $2.99 per user. FICO® is a trademark of the Fair Isaac Corporation. The FICO Score is a proprietary credit model designed by Fair Isaac calculated using the information contained in your Equifax Credit File. The score is intended solely for your educational use. There are numerous credit scores and models available in the marketplace and lenders and other credit score users, including M&T Bank, are likely to use a different score when evaluating your creditworthiness.

Custom Add-ons (except benefits relating to safe deposit boxes – which applies to one box – and Credit Score – which applies to one account owner) will apply only to the associated personal checking account, and you will need the appropriate services and accounts to take advantage of the Custom Add-ons. For example, you will need an M&T ATM Card or M&T Check Card for Custom Add-ons relating to ATM fees, and you will need to take additional steps to enroll in Credit Score, order checks, open and link an overdraft protection account and open a safe deposit box.

Any fee for the Custom Add-ons chosen will be charged beginning on the last day of each monthly service charge cycle for your account, regardless of whether you take advantage of the Custom Add-on in a given month. Employees of M&T Bank and its affiliates receive Credit Score at no charge when linked to the M&T checking account into which the employee’s pay is directly deposited. MyChoice Plus Checking and MyChoice Plus Checking With Interest accounts qualify for 2 Custom Add-ons at no monthly subscription fee. MyChoice Premium Checking accounts qualify for 4 Custom Add-ons at no monthly subscription fee. These customers can enroll in additional Custom Add-ons for the standard monthly subscription fees shown above.

To determine which Custom Add-ons may be right for you, please consider the standard cost of the service covered by the Custom Add-on as well as how often you expect to use that service compared to the cost, if any, of the Custom Add-on in your particular situation.
2Use 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.
3Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. A $7.95 image set-up fee for each newly approved custom card design may apply. One fee will be charged per approved custom design. Replacement cards will not incur this fee if the custom design remains unchanged.
4Overdraft 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. 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.
5Must be an M&T Bank mortgage in good standing, the original amount of which was at least $200,000. There is no monthly maintenance charge if requirements are met, but other transaction and service fees, including insufficient funds and overdraft fees may apply to this account.
6On 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 Web 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.)
7Loans are subject to credit approval and certain limitations may apply.
8Must be an M&T Bank mortgage in good standing, the original amount of which was at least $100,000.There is no monthly maintenance charge if requirements are met, but other transaction and service fees, including insufficient funds and overdraft fees may apply to this account.
9Your total direct deposits in a monthly service charge cycle must equal $200 or more. There is no monthly maintenance charge if requirements are met, but other transaction and service fees, including insufficient funds and overdraft fees may apply to this account.
10There is no monthly maintenance charge if requirements are met, but other transaction and service fees, including insufficient funds and overdraft fees may apply to this account.
11Certain check styles may be excluded from this offer. Discount cannot be combined with Custom Add-on option. Please see an M&T branch representative for full 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 full details.