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. 

Banking Built for 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.

Watch Their Stories

Get the benefits of an all-in-one banking solution.

Explore Banking Built for Business®.

Payment Solutions

Accept all types of credit and debit cards, anywhere you do business.

Financing Solutions

Access to financing helps to ensure your business is ready to take advantage of opportunities whenever they arise.

Business Credit Cards

Whether you’re looking for a great rate or rewards, we give you an option to help meet your business needs.

We’re here for you.

We understand that everyone’s situation is different. Your questions and your needs change as you start and grow your business.

Top questions, answered by our experts.

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.

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> 



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:

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.

Bank to Bank transfer can be completed using Online Banking for Business.

Visit the Online Banking for Business site >

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.

Visit M&T Business Debit Card FAQs >

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

Yes, account fee disclosures are provided with Account Opening. 

Please visit your local branch, contact your relationship manager, or call us at 1-800-724-6070. 

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.

Visit the Online Banking for Business site

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.

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.
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.