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.

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.

Learn what you can do to protect yourself online.

For information and tips on how you can help protect your personal and financial information, visit our Banking Security Center.

Bill Pay Guarantee. We will cover up to $50 in late fees if a payment using M&T Online Bill Pay is late and you (i) scheduled the payment sufficiently in advance of the payment due date to allow for the payment to be processed and sent by us, and (ii) the date you selected as the Delivery Date was no later than the date your payment was due, excluding any applicable grace periods. Further, your payment must be scheduled according to the requirements set forth in the M&T Digital Services Agreement, and you must have sufficient available funds in your account. In the event your payee does not receive payment on time and charges you a late fee, contact Online Banking Support at 1-800-790-9130. We reserve the right to discontinue the Bill Pay Guarantee at our discretion at any time
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 details.