Business 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 input your business information to get our recommendation.
Focus more on your passion, and less on banking. Easily waive the monthly maintenance fee when you reach certain goals. Get the fundamentals of a separate business checking account backed by M&T's award-winning service.
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Pay no monthly maintenance fee for 3 months
There is no monthly maintenance fee for 3 months. After that, standard rates apply if requirements are not met. Requirements to waive the Monthly Maintenance Fee are based on account type and fully listed on the business checking brochure. Requirements may be met but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply. -
Waive monthly maintenance fee by completing five (5) transactions within your monthly statement period.
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.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. -
Or waive monthly maintenance fee by maintaining an Average Ledger Balance of $2,500 or more.
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.
Monthly Maintenance Fee
$10
Your unique goals deserve a custom solution. Pay no monthly maintenance fee for 3 months. Plus, with each product you link, you'll get added benefits and our continued commitment to your business.
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Pay no monthly maintenance fee for 3 months
There is no monthly maintenance fee for 3 months. After that, standard rates apply if requirements are not met. Requirements to waive the Monthly Maintenance Fee are based on account type and fully listed on the business checking brochure. Requirements may be met but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply. -
Link your M&T Business Credit Card or Merchant Services accounts and reach certain goals for even more ways to waive monthly maintenance fee
$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. -
Or waive monthly maintenance fee by maintaining a $10,000 monthly Average Ledger Balance
$20.00 per month, unless the Average Ledger Balance is $10,000 or more.
Monthly Maintenance Fee
$20
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, here's what you need to open an account, and a step-by-step Switch Kit for businesses interested in switching to M&T.
Specialty Checking Accounts
Explore BizFlex Checking, Commercial Checking, Non-Profit Checking and M&T Business Interest Checking account options.
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.