M&T BizFlex Checking

Thriving businesses like yours deserve a versatile, hardworking account with flexibility, room to grow and predictable pricing. 

Top Features


Monthly Account Maintenance Fee


Additional Transaction Items Fee

$0.25 per transaction, in excess of first 1,000 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

Paper Statement Fee

$2.00 (waived if account is enrolled in electronic delivery and does not receive paper statements)

Is this product right for your business?

This product is best for a business that:

  • Is looking for an account with flexibility and predictable pricing
  • Likes the features of Commercial Checking 

Customize Your Debit Card

Express your company's personality by customizing your M&T Business Debit Card with a logo or other image.

How to Open an Account

Please stop by your nearest M&T branch, and a Relationship Banker will help you open an account.

Find Nearest Branch >

Eligibility Requirements

  • ​You must be at least 18 years old
  • All applicants are subject to review of past account handling and verification of the information provided
  • Business documentation may be required depending on business ownership structure (please contact a branch associate for details)
There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply to this account.
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.
​Fees for additional currency deposited or supplied are $0.25/$100.
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.
All M&T checking accounts are subject to M&T standard account agreements.
​All products and services are subject to eligibility and restrictions may 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.