An account that works as hard as you do

For businesses with emerging treasury needs, BizFlex Checking is our most flexible checking product. We make it simple to add accounts and transfer money, all backed by the support of M&T’s award-winning service.

Focus on your business. We’ll handle checking.

As a business owner, you shouldn’t have to worry about your checking solution. With predictable prices to manage your cash flow, BizFlex helps you stay ahead of the curve, keeping things smooth and simple.

No monthly maintenance fee for first 3 months

We will waive the monthly maintenance fee to a new M&T Business Checking Account for 3 monthly statement cycles from account opening. Please note that if you modify your Account type within this 3-month 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. Requirements to waive the monthly maintenance fee may be met but other transaction and service fees, including 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.

Easily waive monthly maintenance fee after 3 months

There is no monthly maintenance charge, but other transaction and service fees, including overdraft fees, may apply to this account.

25% discount on Treasury Management

M&T Bank’s Treasury Management services are provided subject to M&T Bank’s standard Master Treasury Management Services Agreement and Treasury Management Services Product Terms and Conditions for that service.

No-cost first check order

1,000 transactions included each 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.

No-cost deposits up to $50,000

​Fees for additional currency deposited or supplied are $0.27/$100.
Our 900+ business banking specialists have earned national awards for providing outstanding customer experience, and we can’t wait to help you reach your goals.


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Treasury Management

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Online/Mobile Banking

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Merchant Services

All M&T checking accounts are subject to M&T standard account agreements.
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.