Specialty 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 use our Account Selector Tool to get our recommendation.

M&T BizFlex Checking

Designed for businesses looking for a versatile account with room to grow and predictable pricing.
  • $50

    Monthly Maintenance Fee

    Waived with:

    $50,000 in combined checking balances

    Top Features

    • First $50,000 in currency deposited or supplied included per month
    • First 1,000 transaction items included per month
    • Up to 4 BizFlex accounts can be linked
    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.
    ​Fees for additional currency deposited or supplied are $0.25/$100.
    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.

Commercial Checking

With valuable features like easy account access and a low monthly maintenance fee, see if a Commercial Checking account is the right choice for your business.
  • $28

    Monthly Maintenance Fee

    Top Features

    • Offset service charges, including monthly maintenance fee, with a competitive Earnings Credit Rate

Non-Profit Checking

Whether your not-for-profit organization is large or small, every penny counts. Save on fees with our Non-Profit Checking account.
  • $7.50

    Monthly Maintenance Fee

    Waived if at least one of the requirements below is met:

    • the Average Ledger Balance of $500 is met
    • enrolled in e-statements and discontinued paper statements

    Top Features

    • No charge for the first 50 transaction item per month
    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.
    Electronic statement delivery is available to customers enrolled in M&T Online Banking for Business, and the monthly maintenance fee discounts/waivers noted above apply only if the account is enrolled in Electronic Statement and Document Delivery at the end of the month for which the monthly maintenance fee is being calculated.
    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.

M&T BizFlex Checking

Designed for businesses looking for a versatile account with room to grow and predictable pricing.
  • $50

    Monthly Maintenance Fee

    Waived with:

    $50,000 in combined checking balances

    Top Features

    • First $50,000 in currency deposited or supplied included per month
    • First 1,000 transaction items included per month
    • Up to 4 BizFlex accounts can be linked
    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.
    ​Fees for additional currency deposited or supplied are $0.25/$100.
    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.

Commercial Checking

With valuable features like easy account access and a low monthly maintenance fee, see if a Commercial Checking account is the right choice for your business.
  • $28

    Monthly Maintenance Fee

    Top Features

    • Offset service charges, including monthly maintenance fee, with a competitive Earnings Credit Rate

Non-Profit Checking

Whether your not-for-profit organization is large or small, every penny counts. Save on fees with our Non-Profit Checking account.
  • $7.50

    Monthly Maintenance Fee

    Waived if at least one of the requirements below is met:

    • the Average Ledger Balance of $500 is met
    • enrolled in e-statements and discontinued paper statements

    Top Features

    • No charge for the first 50 transaction item per month
    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.
    Electronic statement delivery is available to customers enrolled in M&T Online Banking for Business, and the monthly maintenance fee discounts/waivers noted above apply only if the account is enrolled in Electronic Statement and Document Delivery at the end of the month for which the monthly maintenance fee is being calculated.
    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.

M&T Business Interest Checking

Earn interest with M&T Business Interest Checking, plus enjoy unlimited checks, overdraft protection, 24/7 account management and more.
M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality.
  • $22

    Monthly Maintenance Fee

    Top Features

    • $500 minimum daily Collected Balance to earn interest

M&T Business Interest Checking

Earn interest with M&T Business Interest Checking, plus enjoy unlimited checks, overdraft protection, 24/7 account management and more.
M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality.
  • $22

    Monthly Maintenance Fee

    Top Features

    • $500 minimum daily Collected Balance to earn interest
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.