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M&T Savings
 
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M&T e-Money Market Only available online
MyChoice Money Market
  • Competitive tiered interest rates
  • Premium interest rates available2
  • $15 monthly maintenance charge unless you have a MyChoice Premium Checking, Power Checking or Portfolio Management Account or when you keep a minimum daily balance of $2,5003
  • Get rates and more information
Relationship Savings
  • $7.50 monthly maintenance charge unless either are met:
    • You have an M&T personal checking account other than Free Checking or EZChoice Checking4 OR
    • You keep a minimum daily balance of $500 or more4 OR
    • By making at least one deposit in your Relationship Savings account during the monthly service charge cycle.4
  • $12.50 for withdrawals and transfers in excess of 6 per monthly service charge cycle5
  • Get rates and more information
M&T Starter Savings
Certificates of Deposit
(CDs)

Related Services
M&T Online Banking | Direct Deposit | Electronic Statements | Overdraft Protection
1There is no monthly maintenance charge on M&T e-Money Market. Regardless of whether a monthly maintenance charge applies, M&T savings account are subject to transaction and service fees, including insufficient funds 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 Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
2On 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 maintenance charge cycle. Qualifying customer-initiated transactions include deposits, withdrawals, M&T Web Bill Pay transactions, automatic payments, debit 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.)
3There is no monthly maintenance charge for MyChoice Money Market account if you have a MyChoice Premium Checking, Power Checking or Portfolio Management Account or when you keep a minimum daily balance of $2,500. Regardless of whether a monthly maintenance charge applies, M&T savings accounts are subject to transaction and service fees, including insufficient funds 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 Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
4No monthly maintenance charge on Relationship Savings if you maintain a minimum daily balance of $500 or if you have an M&T personal checking account other than Free Checking or EZChoice Checking or by making a deposit in your Relationship Savings account during the monthly service charge cycle. Regardless of whether a monthly maintenance charge applies, M&T savings account are subject to transaction and service fees, including insufficient funds 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 Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
5Withdrawals and transfers counted toward this limit are those made to another account with us or to a third party by means of a preauthorized or automatic transfer or telephonic (including data transmission) agreement, order or instruction (including Internet, online banking and other computer transactions), or by check, draft, debit card or similar order payable to a third party. The excess withdrawal fee is in addition to any fee for any electronic fund transfer made by using an electronic banking card or by using any electronic fund transfer service we make available, including but not limited to, any internet service.
6There is no monthly maintenance charge for M&T Starter Savings. Regardless of whether a monthly maintenance charge applies, M&T savings account are subject to transaction and service fees, including insufficient funds 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 Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.

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.