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.
No Monthly Maintenance Fee for 12 MonthsWe will waive the $10.00 monthly maintenance charge on a new M&T Simple Checking for Business Account for 12 monthly statement cycles – or one full year – from account opening. The monthly maintenance charge waiver is available for new M&T Simple Checking for Business accounts opened during the applicable offer period of 4/1/2023 through and including 6/30/2023. Please note that if you modify your Account type within this 12-month promotional period, the monthly maintenance charge waiver will terminate and the monthly maintenance charge for your Account will be assessed, unless you qualify for another monthly maintenance charge waiver.
Requirements to waive the monthly maintenance fee charge are based on account type and are fully listed on the business checking grid.
Even if those requirements are met, other transaction and service fees, including overdraft fees, may apply. The monthly maintenance charge 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.
For a limited time on Simple Checking for Business
Earn $500 We will credit $500 bonus (the "Checking Bonus") to a new M&T Tailored Business Checking account opened between 4/1/2023 and 6/30/2023 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.
For a limited time on Tailored Business Checking
M&T Tailored Business Checking
For growing businesses
A customized business checking solution designed to scale as your business grows and your checking needs change.
|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|
|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|
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.