Depository Services for Government Clients

M&T Bank offers governmental entities deposit accounts with competitive rates to help meet your deposit and investment needs.

Commercial Checking

M&T's Commercial Checking account, a demand deposit account (DDA), provides unlimited check writing and offers earnings credits to offset certain service charges.

Learn More About Commercial Checking >

Municipal Investment NOW

M&T's Municipal Investment NOW account allows you to centralize transaction and investment deposits in one place. This account pays a competitive variable rate of interest, compounded monthly. Earnings credits may offset certain service charges.

Municipal Money Market Savings

This account allows you to maintain deposits at very competitive rates of interest. Rates are tiered based on balance level, giving you the opportunity to earn premium rates when you maintain larger balances. Earnings credits may offset certain service charges.

Commercial Money Market Savings

Commercial Money Market Savings offers competitive interest rates for savings accounts based on tiered balances.

Learn More About Commercial Money Market Savings >

Certificates of Deposit (CDs)

Certificates of Deposit offer flexible terms and favorable guaranteed rates of interest for the period of time you select.

Deposit Collateralization of Municipal Deposit Accounts

M&T Bank ensures that all your deposits are fully collateralized in accordance with local statutes.

Remote Check Deposit

M&T's Remote Check Deposit service makes depositing checks faster and easier for your organization, saving you both time and money. Simply scan your checks using a certified desktop check scanner attached to any PC, and send check images to be deposited with M&T Bank through your Internet connection.

Learn More About Remote Check Deposit >

How to Open a Depository Account

To open an account or enroll in Remote Check Deposit, please  contact your M&T Government Banker directly.

All M&T checking and savings 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 full details.
​All products and services are subject to eligibility and restrictions may apply.