Business Checking Options
M&T Simple Checking
M&T Tailored Checking
Specialty Accounts
Online & Mobile Banking
Switch Kit

$0 monthly maintenance fee for 12 months

Just starting out? We can help you keep it simple with a checking solution that covers the basics. For a limited time, save $120 with no monthly maintenance fee for 12 months on M&T Simple Checking for Business.

Offer good through 3/31/2023.

We will waive the $10.00 monthly maintenance charge on a new M&T Simple Checking for Business Account for 12 monthly statement cycles – or one full year – from account opening. The monthly maintenance charge waiver is available for new M&T Simple Checking for Business accounts opened during the applicable offer period of 1/1/2023 through and including 3/31/2023. Please note that if you modify your Account type within this 12-month promotional period, the monthly maintenance charge waiver will terminate and the monthly maintenance charge for your Account will be assessed, unless you qualify for another monthly maintenance charge waiver. Requirements to waive the monthly maintenance fee charge are based on account type and are fully listed on the business checking grid.  Even if those requirements are met, but other transaction and service fees, including overdraft fees, may apply. The monthly maintenance charge 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.
Open Online
Schedule An Appointment

Designed to make managing your account easy on you.

Take advantage of services that complement your business checking account designed to help your account with ease, so you can get back to business.

No Monthly Maintenance Fee for 3 Months

Pay no monthly maintenance fee for three months. After that, we offer several ways to waive the fee.

There is no monthly maintenance charge for 3 months. After that, standard rates apply if requirements are not met. Requirements to waive the Monthly Maintenance Charge are based on account type and fully listed on the business checking grid. Requirements may be met but other transaction and service fees, including overdraft fees, may apply. 

No Usage Charges

For the first 100 transactions per month and first $5,000 deposited. 

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.

Easy Account Management

Using M&T Online Banking for Business, Mobile for Business and ATMs. 

Card Security Features

With your M&T Business Debit Card with chip technology. 

Open an account today to take advantage of no monthly maintenance fee for the first 12 months. Open online or visit an M&T branch.

Get Started
We will waive the $10.00 monthly maintenance charge on a new M&T Simple Checking for Business Account for 12 monthly statement cycles – or one full year – from account opening. The monthly maintenance charge waiver is available for new M&T Simple Checking for Business accounts opened during the applicable offer period of 1/1/2023 through and including 3/31/2023. Please note that if you modify your Account type within this 12-month promotional period, the monthly maintenance charge waiver will terminate and the monthly maintenance charge for your Account will be assessed, unless you qualify for another monthly maintenance charge waiver. Requirements to waive the monthly maintenance fee charge are based on account type and are fully listed on the business checking grid.  Even if those requirements are met, but other transaction and service fees, including overdraft fees, may apply. The monthly maintenance charge 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.

Simple Checking Fees

Monthly Maintenance Fee $10.00
Additional Transaction Items Fee $1.00 per transaction, in excess of first 100 checks paid, checks deposited, deposited 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) 
Transaction items are: checks paid, checks deposited, ACH credits/debits received, and deposit tickets (whether physical or created virtually through channels such as an ATM, Mobile, or Remote Check Deposit).

OPENING A NEW ACCOUNT

What is required?

You can open an account online today or at your nearest M&T Bank branch where a Business Banking Specialist can assist you.


Eligibility Requirements: 

  • You must be at least 18 years old.
  • All applicants are subject to a 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). 
Learn More
Get the Switch Kit

Online Banking

Bank when it's convenient for you.

Take advantage of services that complement your business checking account. Designed to help manage your account with ease, so you can get back to business.

Get Started

START TODAY

Ready to get started?

Open your account online, or schedule an appointment with a business banking specialist to learn more. 

Open Online
Schedule An Appointment

Top questions, answered by our experts.

Simple Checking for Business FAQs

There is no minimum balance requirement to keep your M&T Simple Checking for Business account open. If you maintain an Average Ledger Balance of $2,500 or more in the statement period, we'll waive the $10 monthly maintenance fee.

The monthly maintenance charge for M&T Simple Checking for Business is $10 each monthly statement cycle unless either: the Average Ledger Balance is $2,500 or more; or there are five or more transaction items during the 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. Even if those requirements are met, other transaction and service fees, including overdraft fees, may apply.

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. Speak to your Business Banking Specialist about how to build your custom card.

​Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. See full terms and conditions at mtb.com/customcard 

No two businesses have the same checking needs. That's why we created a range of business checking account options. Use our Account Selector Tool to get our recommendation on which account might be right for your unique needs.

Keeping your information secure is important.

Secure Browsing

Look for a lock next to our web address and "https" at the beginning of our web address to indicate secure pages displaying your sensitive customer information. 

Personal Information

M&T Bank never requests your personal information through email, U.S. mail or phone unless you initate contact or we are completing an application for you.

Phishing

M&T Bank will never send you an email requesting your credentials or personal information. If you receive this type of email, please forward to phishing@mtb.com.

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.