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.

  • 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 

 

More Features

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.

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.
  • 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.

Learn More >

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. 

Learn More >

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 >

 

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.