M&T Assurance® for Online & Mobile Banking

At M&T Bank, we’re committed to protecting your online and mobile experience.

We offer several security assurances to help protect your information.

We help protect your personal information with digital security features.

  • M&T Online Banking and M&T Mobile Banking use 256-bit SSL encryption and will automatically log you out of an inactive session. Online Banking also uses IP address recognition and asks security questions to assist in authentication.

​We respect your privacy.

  • Your online activities are protected by our Internet Privacy Policy. It describes how the M&T website may collect, use and share information from or about you, and explains how the information may be shared or used.

We guarantee your M&T Bill Pay payments will be delivered on schedule.

  • The Bill Pay Guarantee covers up to $50 in late fees if your scheduled payment arrives late. Certain conditions and restrictions apply. {{d18*}}

Learn More About Bill Pay >

Your personal accounts are protected against fraud.

  • For personal deposit accounts (established for household use), you are protected by federal law against liability for unauthorized electronic fund transfers. 

Read About Regulation E Protections >  

  • Non-consumer accounts (such as corporate accounts and partnership accounts) and investment transactions are not covered by the fraud protections mentioned above. Please review the Digital Services Agreement for more information.