Checking Options

No two businesses have the same checking needs. That's why we created a range of business checking account options. Choose the account that's right for you, or use our Account Selector Tool to get our recommendation.

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M&T Simple Checking for Business

Get the details on this flexible, low-cost alternative to standard business checking accounts – perfect for businesses that are just starting out.
  • $10

    Monthly Maintenance Fee

    Waived if at least one of the requirements below is met:

    • Five (5) transaction items completed within your monthly statement period
    • Maintain an Average Ledger Balance of $2,500 or more 

    Top Features

    • No charge for first 100 transaction items per month and first $5,000 currency deposited or supplied per month

    Open Online >

    There is no monthly maintenance fee if requirements are met, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.
    ​Fees for additional currency deposited or supplied are $0.25/$100.

M&T Tailored Business Checking

A flexible account shaped to fit the way you do business.
  • $20

    Monthly Maintenance Fee

    Waived if at least one of the requirements below is met:

    • Maintain $10,000 monthly Average Ledger Balance
    • Maintain $25,000 Average Ledger Balance between checking & savings
    • Make $2,000 in purchases on a linked M&T Business Credit Card
    • Deposit proceeds from your M&T Bank Merchant Service account into this account

    Top Features

    • No charge for first 500 transaction items and first $20,000 currency deposited or supplied per month
    • Earn a preferred relationship rate on a Commercial Savings Account when linked to Tailored Business Checking
    There is no monthly maintenance fee if requirements are met, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply.
    ​$20.00 per month, unless the Average Ledger Balance is $10,000 or more. 
    ​$20.00 per month, unless the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.
    ​$20.00 per month, unless the purchases made on a linked M&T Business Credit Card or M&T Business Rewards Credit Card totaled $2,000 or more in the credit card statement cycle ending in that month.
    ​$20.00 per month, unless there is 1 or more deposits of M&T Merchant Services Proceeds into the account.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.
    ​Fees for additional currency deposited or supplied are $0.25/$100.
    To have qualified for this relationship annual interest rate, a Commercial Savings account and M&T Tailored Business Checking must be opened under the same account owner with a minimum balance of $100.00. Annual interest rate will be applicable to deposits less than $1,000,000. Commercial Savings is a variable-rate account; accordingly, the interest rate may change. The interest rate will be set by M&T Bank at its discretion without reference to any index, formula or schedule.

M&T BizFlex Checking

Designed for businesses looking for a versatile account with room to grow and predictable pricing.
  • $50

    Monthly Maintenance Fee

    Waived with:

    $50,000 in combined checking balances

    Top Features

    • First $50,000 in currency deposited or supplied included per month
    • First 1,000 transaction items included per month
    • Up to 4 BizFlex accounts can be linked
    There is no monthly maintenance fee if requirements are met, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply.
    ​Fees for additional currency deposited or supplied are $0.25/$100.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.

M&T Simple Checking for Business

Get the details on this flexible, low-cost alternative to standard business checking accounts – perfect for businesses that are just starting out.
  • $10

    Monthly Maintenance Fee

    Waived if at least one of the requirements below is met:

    • Five (5) transaction items completed within your monthly statement period
    • Maintain an Average Ledger Balance of $2,500 or more 

    Top Features

    • No charge for first 100 transaction items per month and first $5,000 currency deposited or supplied per month

    Open Online >

    There is no monthly maintenance fee if requirements are met, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.
    ​Fees for additional currency deposited or supplied are $0.25/$100.

M&T Tailored Business Checking

A flexible account shaped to fit the way you do business.
  • $20

    Monthly Maintenance Fee

    Waived if at least one of the requirements below is met:

    • Maintain $10,000 monthly Average Ledger Balance
    • Maintain $25,000 Average Ledger Balance between checking & savings
    • Make $2,000 in purchases on a linked M&T Business Credit Card
    • Deposit proceeds from your M&T Bank Merchant Service account into this account

    Top Features

    • No charge for first 500 transaction items and first $20,000 currency deposited or supplied per month
    • Earn a preferred relationship rate on a Commercial Savings Account when linked to Tailored Business Checking
    There is no monthly maintenance fee if requirements are met, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply.
    ​$20.00 per month, unless the Average Ledger Balance is $10,000 or more. 
    ​$20.00 per month, unless the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.
    ​$20.00 per month, unless the purchases made on a linked M&T Business Credit Card or M&T Business Rewards Credit Card totaled $2,000 or more in the credit card statement cycle ending in that month.
    ​$20.00 per month, unless there is 1 or more deposits of M&T Merchant Services Proceeds into the account.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.
    ​Fees for additional currency deposited or supplied are $0.25/$100.
    To have qualified for this relationship annual interest rate, a Commercial Savings account and M&T Tailored Business Checking must be opened under the same account owner with a minimum balance of $100.00. Annual interest rate will be applicable to deposits less than $1,000,000. Commercial Savings is a variable-rate account; accordingly, the interest rate may change. The interest rate will be set by M&T Bank at its discretion without reference to any index, formula or schedule.

M&T BizFlex Checking

Designed for businesses looking for a versatile account with room to grow and predictable pricing.
  • $50

    Monthly Maintenance Fee

    Waived with:

    $50,000 in combined checking balances

    Top Features

    • First $50,000 in currency deposited or supplied included per month
    • First 1,000 transaction items included per month
    • Up to 4 BizFlex accounts can be linked
    There is no monthly maintenance fee if requirements are met, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply.
    ​Fees for additional currency deposited or supplied are $0.25/$100.
    Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. Additional transaction fees may vary.

Commercial Checking

With valuable features like easy account access and a low monthly maintenance fee, see if a Commercial Checking account is the right choice for your business.
  • $27

    Monthly Maintenance Fee

    Top Features

    • Offset service charges, including monthly maintenance fee, with a competitive Earnings Credit Rate

Commercial Checking

With valuable features like easy account access and a low monthly maintenance fee, see if a Commercial Checking account is the right choice for your business.
  • $27

    Monthly Maintenance Fee

    Top Features

    • Offset service charges, including monthly maintenance fee, with a competitive Earnings Credit Rate
All M&T checking accounts are subject to M&T standard account agreements.
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.
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.