Government Banking

Government and other public sector clients rely on us for a complete banking experience – from initial needs review to ongoing service and solution enhancements.

Financial Solutions for the Public Sector

Your dedicated Government Banking Team will partner with branch and product managers to deliver a locally serviced suite of solutions that meets your needs. Many of our products and services were designed specifically for the public sector.

Through the expert integration of M&T Bank, M&T Securities, Inc., M&T Insurance Agency, Inc. and Wilmington Trust, we are fully equipped to support the operating and financial needs of clients in state and local government and other public sector organizations, including: 

  • City, state and county governments and municipalities
  • State agencies
  • Public authorities and utilities
  • Special purpose districts
  • Housing authorities
  • Public school systems
  • State universities
  • Municipal fire districts​​​ 

In This Section

  • Collection Services >  Learn about our cash vault, lockbox, deposit reconciliation and other collection services for government and public sector clients.
  • Financing & Credit Services >  Discover M&T Bank financing services for government and public sector clients – we offer debt underwriting, lines of credit, tax-exempt financing and more.
  • Depository Services >  Choose from a variety of depository services well-suited for government entities, including Commercial Checking, Money Market and CD accounts, and Remote Check Deposit.
  • Treasury Management >  Help improve cash flow and manage risk with services tailored for government and public sector clients. We offer payables, receivables, fraud protection, sweep services and more.
  • Merchant Services >  With merchant tools tailored for government organizations, you can streamline credit card acceptance and processing and enjoy in-house data support.
  • Employee Benefits >  Our programs – including health, disability and retirement plans – help government and public sector organizations attract and retain quality employees while keeping costs in line.
Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Lose Value​​​​​
Insurance Products offered are: Not FDIC insured; Not a deposit in, obligation of, nor insured by any federal government agency; Not guaranteed or underwritten by the bank; Not a condition to the provisions or terms of any banking service or activity.   Insurance products are offered by M&T Insurance Agency, Inc., not by M&T Bank. Insurance policies are obligations of the insurers that issue the policies.
​All products and services are subject to eligibility and restrictions may apply.
Brokerage services are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank.