Find the right checking solution for your business

We understand each business has unique checking needs. That's why we created a range of options and are here to recommend a checking solution that works for you. 

M&T Simple Checking

For Start-ups

Designed for businesses just starting out with the basics you need to manage your business finances so you can stay focused on what matters most.

Compare Your Options Simple Checking for Business Tailored Business Checking
Monthly Maintenance Fee $10 $20
Waive checking monthly maintenance fee with deposits from M&T Merchant Services  ×
 
Waive checking monthly maintenance fee when you reach certain goals with M&T Business Rewards Credit Card ×
 
Monthly Transaction Limit  100  500
Additional Transaction Items Fee $1.00 per item in excess of first 100 checks paid, checks deposited, deposit tickets ACH credits and ACH debits $0.50 per item in excess of first 500 checks paid, checks deposited, deposit tickets ACH credits and ACH debits
Online Banking
 
 
Paper Statement Fee $2 (waived if account is enrolled in electronic delivery and does not receive paper statements) $2 (waived if account is enrolled in electronic delivery and does not receive paper statements)
Business Debit Card with Chip Technology
 
 
Customize Your Debit Card
 
 
 
We will waive the $10.00 monthly maintenance fee to a new M&T Simple Checking for Business Account for 12 monthly statement cycles – or one full year – from account opening. The monthly maintenance fee waiver is available for new M&T Simple Checking for Business accounts opened during the applicable offer period of July 1, 2022 through and including September 30, 2022. Please note that if you modify your Account type within this 12-month promotional period, the monthly maintenance fee waiver will terminate and the monthly maintenance fee for your Account will be assessed, unless you qualify for another monthly maintenance fee waiver. Requirements to waive the monthly maintenance fee are based on account type and fully listed on the business checking grid found at mtb.com/bizgrid. Requirements to waive the monthly maintenance fee may be met but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply. The monthly maintenance fee waiver is not available to employees of M&T Bank or any of its affiliates. A $50 Account Closure Fee applies if the account is closed within the time period referenced in the Commercial Deposit Account Fee Schedule.
M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees even in the event that a monthly maintenance charge is waived. If requirements are not met, the monthly maintenance fee is $20. There are four ways to waive the monthly fee: an Average Ledger Balance of $10,000 or more; 1 or more deposits of M&T Merchant Services proceeds into the account, purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month; or 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 there is 1 or more deposits of M&T Merchant Services Proceeds into the account.
​$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.
Transaction items are: deposit tickets (teller or virtual), checks paid, checks deposited, ACH credits received (not generated by the customer), and ACH debits received (not generated by the customer). ATM cash deposits are not considered a transaction item.

Your business has unique needs.

We offer an array of products designed for the needs of every Business customer.

Specialty Checking Accounts

Explore BizFlex Checking, Commercial Checking, Non-Profit Checking, and M&T Business Interest Checking account options.

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.

Online & Mobile Banking

With our Online & Mobile Banking services, you can access your account information from your mobile device, tablet or computer.

Make the switch

How to open an account.

When it comes to switching banks or starting a business, we know the process can seem overwhelming. To make it easier, we've created a step-by-step Switch Kit for business interested in switching to M&T.

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 details.