- Ideal for businesses that are just starting out
- No monthly maintenance fee if at least one of the requirements below is met:
- Complete five (5) transaction items within your monthly statement period
- Maintain an Average Ledger Balance of $2,500 or more
- No charge for first 100 transaction items per month and first $5,000 currency deposited or supplied per month
- Account management using M&T Online Banking for Business, Mobile for Business and ATMs
- Comes with an M&T Business Debit Card with chip technology
Monthly Maintenance Fee
Additional Transaction Items Fee
$1.00 per transaction, in excess of first 100 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 the following businesses:
- Small businesses
- Businesses that are just starting out and may have fewer transactions
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
You can open an account online today or at your nearest M&T Bank branch where a Business Banking Specialist can assist you.
- 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)
What is the minimum balance?
You need to maintain a $2,500 minimum Average Ledger Balance to avoid a monthly maintenance fee, but there is no minimum balance required to keep the account open.
Can I get a debit card with my company’s logo?
Absolutely. You can request an M&T Custom Card with your company’s logo, imagery, a photo of your headquarters or another photo of your choice.