Banking Built For Business

M&T helps businesses realize and strive to reach their financial goals. You can connect with us at your local branch in person or over the phone.

We make your small business a big priority.

At M&T, we're dedicated to understanding what's important to you. From cash flow and financing to employees and operations, we're here to support your goals and objectives with the service and solutions you need to build your business. 

In This Section 

  • Why Bank with M&T? >  We understand what’s important to your business. Find out how we work to help you start, manage and grow your company.
  • Business Checking Options >  Find the business checking account that’s best for your business and start enjoying the simplicity and flexibility of M&T’s online and mobile banking.
  • Business Checking Account Selector >  Use our Checking Account Selector tool to find out which M&T Business Checking account is the best fit for your company’s size and frequency of transactions.
  • How to Open a Business Checking Account >  Compile the documentation needed to open an account. Open online or schedule an appointment to speak with a Business Banking specialist. 
  • Business Savings Accounts >  Save for future growth and investments with one of our business savings account options, including commercial savings and commercial money market savings.
  • M&T Business Debit & ATM Cards >  For purchases that come right out of your business checking account, choose the M&T Business Debit Card or ATM Card for Business. You can even create a personal design through our M&T Custom Card Design Studio. 
  • Online & Mobile Banking for Business >  With our Online & Mobile Banking services, you can access your account information from your mobile device, tablet or computer. Enroll today.
  • Build a Custom Banking Solution >  Let us help you customize a full-service business banking package with the accounts and services that best meet your company’s needs and goals.
  • Business Financing >  Browse through our competitive financing options for loans, lines of credit and credit cards to help you finance your day-to-day business operations and long-term growth.
  • Cash Management Products >  Discover our selection of cash management tools – giving you direct control over your payables and receivables so you know exactly where you stand.
  • Merchant Services >  Let M&T help you set up a business merchant account and show you how easy it is to start accepting your customers’ credit cards.
  • Investments & Insurance >  Looking for investment and insurance options for your business? We can help you find solutions designed to meet your specific needs.
  • M&T @ Work > The M&T @Work program is designed to add value to your employee benefit offerings with workplace banking—featuring exclusive M&T discounts, on-site education workshops and more. 
  • Industry Solutions >  Get specialty banking services and product recommendations for your business – we offer solutions for professional services, medical/dental, franchises, agriculture and more.
  • Resources & Insights >  Visit our Business Resources & Insights online library to gain valuable knowledge to help position your business for success.

Make The Switch

Make Your Move To M&T Easier

When it comes to switching banks, we know it can be somewhat inconvenient. Here are a few simple forms and step-by-step instructions to help make the process a little easier.

We will credit $300 bonus (the "Checking Bonus") to a new M&T Tailored Business Checking account opened between 4/15/21 and 6/30/21 if the Average Ledger Balance in the account is at least $5,000 in the third full calendar month after the account was opened. If the requirements are met and the Account remains open, the Checking Bonus will be credited to the Account within 45 days after the end of the third full calendar month after the account was opened. The Checking Bonus is reportable for tax purposes and is not available to employees of M&T Bank or any of its affiliates. The Checking Bonus is not available to customers who have had a non-personal M&T checking account within the previous 90 days of opening an M&T Tailored Business Checking account. Only one Checking Bonus will be awarded per customer regardless of the number of new M&T Tailored Business Checking accounts opened. A $50 Account Closure Fee applies if the account is closed within the time period referenced in the Commercial Deposit Account Fee Schedule.
The Bonus offer is available for merchants who do not currently have an M&T Bank Merchant Services® account and fulfill the following conditions during the Offer Period of 4/15/21 to 6/30/21: (1) open a new M&T Bank Merchant Services account; (2) currently has or open an M&T Business Checking account to accept merchant deposits; (3) merchant must be active and process $20 in merchant transactions within a calendar month no later than 9/30/21 to receive the one-time $200 bonus (“The Bonus”); and (4) merchant must be active and process at least $4,000 in merchant transactions within a calendar month no later than 9/30/21 in order to receive the additional $100 bonus (“The Incremental Bonus”). If the conditions are met, the bonus(es) will be credited to your M&T Business Checking account by 12/31/2021. Only one Bonus offer will be awarded, regardless of the number of locations for a merchant. This Bonus offer may not be combined with any other promotional merchant services offers (excluding the $9.95 Tailored Checking Promotion.) This Bonus offer is subject to credit underwriting, due diligence requirements, and approval of an M&T Bank Merchant Services account in accordance with M&T’s requirements. The Bonus and Incremental Bonus are reportable for tax purposes and may be considered taxable income.
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.
​Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M&T Bank Corporation. Wilmington Trust Company, operating in Delaware only, Wilmington Trust, N.A., M&T Bank and certain other affiliates, provide various fiduciary and non-fiduciary services, including trustee, custodial, agency, investment management and other services. International corporate and institutional services are offered through Wilmington Trust Corporation's international affiliates. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, member FDIC. 
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.