Remote Check Deposit &
Commercial Deposit App

Deposit checks without a trip to the bank and save time, money and hassle.

How It Works

All you have to do is scan checks for deposit using a certified desktop check scanner, and send the check images to M&T Bank electronically for deposit via an Internet connection.

Without leaving the office, you can enjoy the benefits of remote check deposit, including:

  • Cost savings. Save money and time by reducing, or possibly eliminating, courier runs and employee trips to the bank
  • Later deposit deadlines. Make electronic deposits until 10pm ET on business days for same-day ledger credit
  • Reduced "desk float." Deposit checks in minutes from your desktop
  • Better service. Serve areas with a limited M&T branch network
  • Web-based (thin client technology). Eliminate the need to spend time loading or maintaining system software
  • Conversion of eligible checks to ACH. Use this enhanced feature to authorize M&T to convert eligible checks to ACH transactions, which may enhance funds availability and provide faster returned item notification

Calculate your potential savings.

Find out how much you could save in the first year by enrolling in Remote Check Deposit versus making manual deposits at the branch.

Calculate Now ›

M&T Bank’s Remote Check Deposit (“RCD”) services are provided subject to M&T Bank’s standard Treasury Management Services Agreement for the provision of RCD services (“RCD Agreement”). Client may only use an Approved Scanner (as defined thereunder) for RCD services. Under the Agreement, M&T may pay the cost of purchasing an M&T Purchased Scanner on behalf of client to be used under the Agreement. However, if the RCD services under the Agreement are terminated for any reason (other than by M&T without cause) prior to the six (6) month anniversary of the date client commences receiving such RCD services, client must reimburse M&T the cost of each M&T Purchased Scanner that M&T purchased on behalf of client. Deposits are subject to verification. Other terms, conditions, fees and restrictions may apply.
Business day is defined as Monday through Friday, except federal holidays.
To use the ACH conversion feature, you must comply with NACHA (The Electronic Payments Association) rules and regulations for ACH Origination. Visit NACHA for more information and sample compliance documentation.

Introducing the Commercial Deposit App

With M&T’s Commercial Deposit App, you can now create, review and approve deposits while away from your Remote Check Deposit desktop service while on the go. With our advanced integration system, Remote Check Deposit and Commercial Mobile Deposit are seamlessly combined so you can access using a desktop, PC, tablet or smart phone with ease.

  • Create a deposit. Scan using the camera on your smartphone or tablet to properly capture the front and back of a check or multiple checks you want to deposit
  • Edit and approve. Review your deposit for approval and note if any error messages are displayed that need correction. If you no longer need a particular deposit, you can edit and delete them before you complete the process
  • Submit your deposit. Once you have all of your deposits set-up, tap complete to confirm you want to submit your deposit(s)

Take the next step.

To learn more, or to enroll in our Remote Check Deposit services, please call 1-800-724-2240, Monday–Friday, 8am–6pm ET to speak to one of our experienced Commercial Service Team Representatives, or contact your dedicated M&T Relationship Manager.

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.