Welcome to Banking Built for Your Business.
Our experience spans industries and decades, but what set us apart is our commitment to getting to know and support the unique needs of our business customers.
Enroll in Online Banking.
Start getting the most of our partnership with easy set up of our digital tools.
Activate Your Card
If you've recieved your debit card in the mail, follow these steps to start spending.
Switch Kit
Stay organized as you transfer payments, payroll, and merchant transactions to your M&T account.
Explore Demos
From using Mobile Check Deposit to linking your Personal & Business accounts, get the most of your digital tools.
Our expertise can help guide your success.
With over 160 years of experience, we know business owners want to focus on their passion and less on operations. From planning, protecting, and preparing – explore our content hub to discover how to take on any aspect of running or growing business.
Our Partners, In Their Own Words
We strive to help make a difference in our communities. Hear stories from M&T business partners like you who've faced challenges head-on with the assistance of M&T's Business Specialists.
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Top questions, answered by our experts.
When are checking account service charges assessed?
Business Accounts are charged on the 9th of the month, if this day is not a Business Day then the charges will post the following Business Day. This breakdown of fees is provided in the Account Opening Kit. To receive an account analysis statement, please visit your local branch or call 1-800-724-6070.
How can I waive my monthly maintenance fee?
With most of our accounts, you can avoid the monthly maintenance charge when you meet certain requirements or maintain a certain balance. A full list of these waivers and account features are referenced in our Checking Deposit Grid.
View Business Checking Deposit Grid>
What products can be used as overdraft protection?
With Overdraft Protection, available funds are automatically transferred to your checking account from another M&T Bank business account. The following are eligible business accounts that can be linked to your Small Business checking account and used for Overdraft Protection:
Where can I find my account number?
Your account number is provided with your Account Opening document and on your statement.
Your routing number and account number can be found on the bottom left of your check as well, beginning with the routing number.
Can I make a bank-to-bank transfer for a business account?
Bank to Bank transfer can be completed using Online Banking for Business.
Can I transfer funds from a business to personal account or personal to business account?
Yes, these types of transfers can be completed using Online Banking for Business.
How do I activate my M&T Business Debit Card?
When you receive your card in the mail, simply call the number shown on the sticker on the front of your card. Once the card is activated, remove the sticker and sign the signature panel on the back of the card.
What are debit card limits? Is there a chart?
Business Debit Card
ATM/cash withdrawals:
- 15 withdrawals with a maximum of $1,000 per day
All other transactions combined:
- 20 transactions with a maximum of $7,500 per day
Note: This is a combined limit for VISA "Credit" or Signature transactions and all PIN POS transactions.
M&T Business ATM Cards
ATM/cash withdrawals:
- 9 withdrawals with a maximum of $500 per day
PIN POS purchases:
- PIN POS purchases are not available on ATM cards
Is there an explanation of various service charges?
Yes, account fee disclosures are provided with Account Opening.
Where can I see a breakdown of a deposit, including asking for copies of deposited items?
This can be completed using Online Banking for Business.
How can I make statement copy and check copy requests?
This can be completed using Online Banking for Business.
How can I dispute an item?
Please visit your local branch, contact your relationship manager, or call us at 1-800-724-6070.
How can I check online inquiries?
Online inquiries such as 'Did the item clear?', 'How to make a company administrator change?,' and 'How to change/add a user on an account?' can be made by your online banking administrator.
Why are the funds from my check not available immediately?
When you deposit a check, the bank still has to collect funds from the issuing bank. Business Customers generally receive next day availability on checks deposited.