Higher Education Financial Services

Faced with fluctuating enrollment, tuition challenges or concerns about sustainable endowment spending policies? Our specialists understand the issues you face. Our credit, treasury management and investment management services enable you to make the most of your resources.

A Customized, Full-Service Approach

It is no secret that, in recent years, colleges and universities have been asked to do more with less. As you work to balance a leaner budget with positive growth plans, M&T's Higher Education Banking Specialists can provide the knowledge and financial services solutions you need.

We can help with everything from working capital management tools to new or restructured debt through the creation of a sustainable endowment spending policy to asset management and allocation strategies.

Our Products & Services

Credit Services

We offer short-term working capital, pledge or grant bridge loans, longer-term traditional or tax-exempt financing. Enjoy competitive rates and terms to keep you operating efficiently and sustainably so you can focus on attracting the best students.


M&T's investment management affiliate, Wilmington Trust, is a leader in the investment of endowments for long-term sustainability and provides asset allocation solutions and separate account management for both short-term and long-term portfolios.

Treasury Management & Corporate Cards

The challenges of the past few years have made expense control critical to colleges and universities. Our tools and services provide the cash flow tracking you need. With efficient and rewarding corporate card programs, full account reconciliation services, and controlled disbursements, M&T provides the technology and cash management services of a large bank – combined with the local, high-touch, award-winning customer service of a community bank.

Service Excellence

M&T's relationship model has been so successful for our clients that our Treasury Management Customer Service Team was recognized by Greenwich Associates in 2021 with several awards.

  • Cash Management – Customer Service. On a national level, M&T was awarded a Greenwich Excellence Award for the high-quality customer service we deliver to our treasury management customers
  • Cash Management – Accuracy of Operations. On a national level, M&T was awarded a Greenwich Excellence Award for the overall level of operational accuracy delivered to our treasury management customers
  • Cash Management – Overall Satisfaction. On a regional level, M&T was awarded a Greenwich Excellence Award for overall customer satisfaction with our treasury management solutions

Faculty Services

Because M&T's commitment to education extends well beyond the traditional banking services offered, we're pleased to provide colleges and universities with our M&T @ Work program.

M&T @ Work brings M&T employees onto your campus to talk to campus staff about budgeting, building and maintaining credit, and many other financial literacy topics. The program also offers checking accountsonline and mobile banking, and many other premier banking services.

Not Just a Banking Service Provider

M&T Bank is more than just a banking service provider – we're a partner who can support the ongoing success of your school.


Ready to learn more about how M&T can help your college or university? Get in touch with our experienced Higher Education Banking Group today.

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Investment products are not insured by the FDIC or any other governmental agency, are not deposits of or other obligations of or guaranteed by M&T, Wilmington Trust or any other bank or entity, and are subject to risks, including a possible loss of the principal amount invested.
Brokerage services are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank.