Earn up to $1,500

New business checking customers can earn a cash bonus when opening an M&T Tailored Business Checking account with required activities.{{d1168*}}

Offer good through June 28, 2024.

Designed with features to help you manage your business when and where it works for you.

Earn more with higher balances

Average ledger balance in third full month:
$300 between $5,000 and $14,999.99
$500 between $15,000 and $99,999.99  
$1,500 $100,000 or more                 

No monthly maintenance fee

Pay no monthly maintenance fee for three months. After that, we offer several ways to waive the fee such as having an M&T Merchant Services account or keeping certain balances.{{d725*}}

Easy account management

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

Card security features

With your M&T Business Debit Card with chip technology

Overdraft protection

Worry less with the option to protect your account from overdrafts.

Open an account today to take advantage of no monthly maintenance fee for the first three months.{{d725*}} Schedule an appointment today or visit an M&T branch.

Tailored Checking Fees

Monthly Maintenance Fee


Additional Transaction Items Fee{{d369*}}

$0.50 per transaction, in excess of first 500 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. 

Additional Currency Deposited or Supplied (including deposits completed at an M&T ATM)

$0.27/$100 in excess of first $20,000

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 for easy account management, 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.

Tailored Business Checking FAQs

Transactions include checks paid or deposited, cash deposits, and ACH debits and credits.{{d369*}}

No two businesses have the same checking needs. That's why we created a range of business checking account options. Learn more by visiting our compare checking accounts page.

Related Services

Merchant Services are supported by merchant processing specialists who work hard to make sure you get the right credit card terminal and solution package for your business{{d219*}}

M&T BizPay through Online Banking for Business allows you to manage and pay expenses for your business electronically, using ACH credit originations and domestic Wires{{d594*}}

M&T Business Credit Cards keep your business moving while managing expenses{{d499*}}

Remote Check Deposit provides a fast and easy way to deposit checks for those who aren't able to make trips to the branches daily{{d500*}}

two business owners looking at laptop

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

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