Earn $500
Our Business Banking Specialists work with you to choose the right options that save on fees so you can focus on reaching your financial goals. For a limited time, new customers earn $500 with qualifying activities.
Offer good through 6/30/2023
Designed with features to help you manage your business when and where it works for you.
No Monthly Maintenance Fee for 3 Months
Pay no monthly maintenance fee for three months. After that, we offer several ways to waive the fee.
Easy Account Management
Using M&T Online Banking for Business, Mobile 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. Open online or visit an M&T branch.
Tailored Checking Fees
Monthly Maintenance Fee |
$20.00 |
Additional Transaction Items Fee |
$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/Supplied Fee |
$0.27/$100 in excess of first $20,000 |
Paper Statement Fee |
$2.00 (waived if account is enrolled in electronic delivery and does not receive paper statements) |
OPENING A NEW ACCOUNT
What is Required?
You can open an account online today or 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 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).
Online Banking
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.

START TODAY
Ready to get started?
Open your account online, or schedule an appointment with a business banking specialist to learn more.
Top questions, answered by our experts.
Tailored Business Checking FAQs
What are all of the transaction types?
Transactions include checks paid or deposited, cash deposits, and ACH debits and credits.
Is this product right for your business?
No two businesses have the same checking needs. That's why we created a range of business checking account options. Use our Account Selector Tool to get our recommendation on which account might be right for your unique needs.
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
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
M&T Business Credit Cards keep your business moving while managing expenses
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

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 initate contact or we are completing an application for you.
Phishing
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.