M&T Mobile for Business F A Qs

Learn more about M&T's Mobile for Business services with these frequently asked questions.

How do I add an authorized user to my credit card?

​Log in to the M&T Mobile App for Apple or Android. Select Card Services from the menu. Select Add Authorized User to Credit Card.

All M&T Online Banking customers who have an iPhone® (iOS® version 9 and later) or Android™ (Android OS version 4.0.3 and later) device can use our mobile banking app. Customers can log in to the app using their User ID and Passcode.

Enroll in M&T Online Banking.

Yes. Enrollment is simple in the mobile banking app by following the Enroll link. It will be the same experience as enrolling through Online Banking.

Enroll Now >

With the M&T Mobile Banking app you can view your M&T personal and business accounts, deposit checks, pay bills, schedule transfers, make M&T loan payments, enroll in M&T Alerts and find M&T branches and ATMs.

Start by removing the app and reinstalling. To uninstall: go to Settings > select Apps or Application Manager > select M&T Bank App > tap to uninstall. To reinstall: go to the Google Play® Store > search for the M&T Bank app > select M&T Bank App > select Install.

If that does not solve the problem, please call Online and Mobile Banking Customer Service at 1-800-790-9130, Monday–Friday, 8am–9pm ET and Saturday–Sunday, 9am–5pm ET. 

In the mobile banking app, you can see the same M&T accounts that you have access to in M&T Online Banking. This includes checking, savings, certificates of deposit (CDs), money market funds, business access lines of credit, business lines of credit, business installment loans, commercial loans, commercial mortgages, commercial lines of credit, equipment leases, home equity lines of credit, individual retirement accounts (IRAs), installment/general purpose loans, mortgages, holiday club accounts, savings club accounts, overdraft lines of credit and portfolio management accounts.

Select Search Transactions from the Menu. Select the type of search you want to perform:

  • Account searches for transactions up to 90 days old within a particular account
  • Bill Payment searches for up to 24 months of bill payments across your M&T accounts
  • Transfer searches for up to 24 months of transfers across your M&T accounts

Enter relevant search criteria such as account, transaction date or transaction amount then select Search to view your results.

Ensure the M&T Bank app is closed by double clicking the home button. If it’s not closed, swipe side-by-side through your open apps and swipe the M&T Bank app upward to close it. Then go to Settings > select M&T Bank > toggle on the Clear All App Data option.

If that does not solve the problem, please call Online and Mobile Banking Customer Service at 1-800-790-9130, Monday–Friday, 8am–9pm ET and Saturday–Sunday, 9am–5pm ET.

No, M&T does not charge a fee to download our app. However, your carrier’s data charges may apply when you use this service, so check with your mobile provider.

Yes, you can create a nickname for each of your accounts to easily recognize them in Online and Mobile Banking. To create or edit your nicknames, log in to Online Banking and select Manage Account Display under the Accounts tab.

With mobile check deposit, the M&T Mobile Banking app offers the ability to make a deposit into an eligible account by taking a picture of the front and back of your endorsed check.

Customers with a checking, savings or money market account and a legal address in the United States or Canada are automatically eligible for mobile check deposit.

Mobile check deposits submitted before 10pm ET will generally be processed for that business day. Mobile deposits submitted after 10pm ET will be processed for the next business day. Deposits may not be available for immediate withdrawal. If your check qualifies for M&T Flash FundsTM, you can select that option, and the funds will be available immediately, for a fee.

If selected, your mobile deposit will be immediately available. The fee for this service is 2% of the total check amount ($2 minimum charge). The fee will be deducted from your account following the completion of your deposit. If the deposit is made during our nightly processing, it will not be available to pay debit items that are processed for payment during that night’s processing. However, it would be immediately available for withdrawal.

No, the mobile check deposit service is available at no charge. Deposit limits and other terms, conditions, fees and restrictions may apply. Your mobile carrier’s data charges may also apply.

There is no limit to the number of deposits you can submit through mobile check deposit. However, daily and monthly deposit dollar limits do apply.

Your daily and monthly mobile check deposit dollar limits are based on how long you have been an M&T Online Banking customer. Your limits are available under the Mobile Deposit section of the M&T Mobile Banking app or by visiting Online Banking and clicking on Mobile Deposit.

​Yes. Before using mobile check deposit, please endorse the back of the check in addition to writing “For M&T Bank mobile deposit only.”

Securely store the paper check until you see the deposit in Mobile Banking, Online Banking or on your statement. Then write “VOID” on the face of the check and continue to store it securely for at least 70 days.

All checks drawn on U.S. banks can be deposited through mobile check deposit. However, as is the case with any deposit, M&T reserves the right to refuse any deposit or item. Most money orders and some traveler’s checks are also accepted. Canadian and other foreign checks, food stamps and savings bonds are not accepted.

Yes, you can make one time or recurring bill payments to your existing Online Banking payees in the M&T Mobile Banking app by tapping on the Menu icon on the top left and selecting Pay a Bill from the Bill Pay menu. To set up a new payee or to edit an existing payee, log in to Online Banking and go to Manage Payees under the Payments and Transfers tab.

Yes, you can view 90 days of mobile check deposit history under Deposit History in the M&T Mobile Banking app.

You can schedule one time or recurring transfers between your M&T accounts or pay your M&T Loan by tapping on the Menu icon on the top left and selecting Schedule a Transfer under the Transfers menu. If you are paying your M&T Installment Loan from an External Account, go to your Installment Loan Account Details in the mobile app and select Pay Now. You will then have the option to Pay From An M&T Account or Pay From An External Account.

To view, edit or cancel upcoming payments and transfers in the M&T Mobile Banking app, select the Scheduled Activity tab on the top of Account Summary. You can also find your upcoming bill payments and transfers by tapping on the Menu icon on the top left and selecting Bill Pay Activity or Transfer Activity under the Bill Pay and Transfers menus.

Ensure that the check is eligible for mobile check deposit - that it's well lit and on a dark background, and that all four corners of the check are visible. The check must be clear, legible, and fit completely within the guidelines on the mobile deposit screen. If you continue to experience difficulties, please visit your local branch or deposit-taking ATM.

M&T Mobile Banking leverages multiple layers of security, including password protection and the SSL (Secure Sockets Layer) communication protocol, which employs 256-bit encryption. Learn more about our mobile banking security features.

Mobile check deposit is protected by all the security features of our Mobile Banking app. Photos of your deposit are not stored on the device and are submitted through the app’s SSL (Secure Sockets Layer) communication protocol.

To reset your Passcode online you’ll need your Social Security number (SSN) if you are a personal customer or your tax identification number (TIN) if you are a business customer AND your M&T Debit, Credit or ATM Card OR the security questions you set up previously. If you have forgotten your User ID, call M&T Online Customer Service at 1-800-790-9130 Monday–Friday 8am–9pm ET, Saturday–Sunday 9am–5pm ET.

Reset your Passcode

Report your lost or stolen device by calling M&T Online Customer Service at 1-800-790-9130 Monday–Friday 8am–9pm ET, Saturday–Sunday 9am–5pm ET.

Touch ID and Fingerprint Login are fingerprint recognition features built into compatible Apple® and AndroidTM devices that allow you to log in to your M&T Mobile Banking App using any fingerprint you have registered on the device – without needing to type in your User ID and Passcode every time you log in.

If your device runs iOS or Android 6.0 or greater and is compatible with Fingerprint Login, you may set it up in one of two ways.

  • From the login screen tap on the Touch ID icon if on an Apple device or the Fingerprint Login if on an Android device and follow the prompts to complete enrollment.
  • If you are already logged in, go to the Menu, tap on Settings, tap on the Touch ID or Fingerprint Login toggle and follow the prompts to complete enrollment.

No, the M&T Mobile Banking App does not store any fingerprint or facial recognition data.

There are a number of things you can do to protect your information online and in mobile.

  • Set a unique User ID and passcode
  • Do not share your User ID or passcode with anyone
  • Always log out
  • Avoid public or unprotected Wi-Fi
  • Use a trusted computer
  • Download our apps from trusted sites
  • Enroll in M&T Alerts
  • Delete text messages once you read them
  • Be aware of unadvertised changes to online banking pages
  • Learn more about how to protect your information

M&T recommends that you do not “jailbreak” or “root” your mobile phone. Doing so compromises security protections built into the device and may make your phone more vulnerable to malware and viruses.

Apple®, iPhone®, iPad®, Touch ID® and Face ID® are registered trademarks of Apple, Inc. registered in the U.S. and other countries. Android™ is a trademark of Google, Inc. Use of these trademarks are subject to the respective owner's permission.
Safari® is a registered trademark of Apple, Inc. registered in the U.S. and other countries. Chrome™ is a trademark of Google, Inc. Use of these trademarks are subject to the respective owner's permission.
M&T Bank is not endorsed, sponsored, affiliated with or otherwise authorized by Apple Inc. or Google LLC.
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.