$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.{{d2019*}}

Offer good through 6/28/2024

Designed for easy account management, so you can get back to business.

Easy ways to waive the monthly maintenance fee

Pay no monthly maintenance fee for 12 months.{{d2019*}} After that, we offer several ways to waive the fee.{{d918*}}

No usage

For the first 100 transactions per month{{d369*}} and first $5,000 in currency deposited.{{d489*}}

Easy account management

Using M&T Online Banking for BusinessMobile for Business and ATMs

Card security

With your M&T Business Debit Card with chip technology

Open an account today with no monthly maintenance fee for the first 12 months.{{d2019*}} Schedule an Appointment or visit an M&T branch.

Simple Checking Fees

Monthly Maintenance Fee


Additional Transaction Items Fee{{d369*}}

$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

$3.00 (waived if account is enrolled in electronic delivery and does not receive paper statements) 


What is required?

You can open 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


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.

online and mobile banking dashboard image


Ready to get started?

Open your account at your nearest M&T branch, or schedule an appointment with a business banking specialist to learn more. 

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.{{d918*}} During our current promotion, this fee will be waived for the first 12 months.{{d2019*}}

Absolutely! You can request an M&T Custom Card{{d367*}} 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.

No two businesses have the same checking needs. That's why we created a range of business checking account options. Check out our Compare Checking Options page to determine 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 initiate contact or we are completing an application for you.


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.

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