Multicultural Banking

We are committed to our diverse community of customers.

Growing with our multicultural families and businesses.

At M&T, we understand that the needs and desires that our Multicultural communities have are distinctive. We are committed to meeting those unique needs, whether you are multilingual, a person of color, an immigrant, refugee, LGBTQ+, a person with different abilities, or a combination. Here at M&T, we celebrate you and empower you with the financial tools and resources you need to thrive!

Connect with us.

Multicultural designated branches

Our bankers reflect our community
Multiple languages available
Help navigate financial services 

Phone assistance in 240 languages at 1-800-724-2440

Custom Debit And Credit Cards

Celebrate you Cultural Identity

We are proud to release new card image options that enable you to celebrate your cultural identity. Show off what's important to you by choosing an image from our library or uploading one of your own. No matter which option you choose, you'll be getting a card that allows you to access your funds in person, online and over the phone to avoid paying with cash or checks.

Learn How to Customize a Card

Small Business Lab

Our program is designed to empower multicultural businesses through tools, resources, and connections within the communities we serve.   Learn More >

Showing our commitment.

Multicultural Small Business Innovation Lab

In partnership with Canisius College, M&T Bank offered a six-week Multicultural Small Business Innovation Lab that provided 30 multicultural businesses with guidance and education in business planning, establishing credit, accessing capital, marketing and networking as a multicultural small business owner. It concluded with a ‘Shark Tank’-style venture competition, which awarded three winners cash prizes of up to $5,000. Congratulations to Franketta Willoughby – Franketta Willoughby Daycare, Alicia and Alisa Officer – Unapologetic Coffee and Brianna Clemons – BCW Dispatching and Consulting Group LLC.

Learning Insights from LGBTQ+ leaders

M&T hosted a panel of LGBTQ+ leaders to gather insights, learn and understand the needs of our LGBTQ+ business community. It was a time where we shared information, discussed community resources, and established networking opportunities. We learned how businesses can share information and strategies, how to build a network, connect on peer group mentoring and gained an understanding of the unique challenges and needs that our LGBTQ+ communities have.

Introducing a new app for people with disabilities

We are excited to be the first U.S.-based bank to partner with Magnusmode. MagnusCards® is a free storytelling app that helps people with autism, ADHD, acquired brain injury, Down syndrome, dementia and other cognitive disabilities gain independence.

M&T’s MagnusCards® introduce you to fundamental steps in banking. Topics include counting money, using an ATM, making a withdrawal from a teller and making a purchase with your debit card.

Learn More about MagnusCards

M&T partners on community-focused LGBTQ+ mural

When the Albright-Knox Art Gallery presented an opportunity to partner on a community-focused LGBTQ+ mural in 2020, we were honored to participate in a project that would advocate for human rights and celebrate the LGBTQ+ community. Mickey Harmon and Ari Moore painted the mural to not only highlight current and past LGBTQ+ activists who helped change the world, but to share their messages around inclusivity, love, and community.

Mural celebrates local jazz legend

Our Kensington branch in Buffalo, New York showcases a beautiful mural that aims to uplift our community and the surrounding neighborhood by celebrating Grover Washington, Jr., a musician born in Buffalo whose impact was felt around the world. The mural will help bring new awareness and attention to this jazz legend whose story began right here in our hometown. 

Our executive promise.

Perhaps one of our most pivotal impacts in the past year has been in the service of those constituents in our communities who speak English as a second, or even third or fourth, language. Multi-lingual communities are commonplace; as such, we have embraced the languages of our local communities in our branches—now with branch staff fluent in languages such as Spanish, Korean, Russian, Polish, Mandarin and Burmese. While we recognize that every customer interaction may not be perfect, we can always strive to reduce barriers for customers— whether that be language, accessibility, accommodation or simply being a friendly face.


At M&T, we are commited to investing in infrastructures that enable us to prioritize our deep understanding of multicultural consumers’ financial attitudes and behaviors. We teach them how to budget, how to responsibly own a home and how to grow their business - this is how we make a difference. This is how we uplift our communities.


Celebrating our Multicultural Communities

Shea Radiance is an inclusive beauty brand based in Baltimore, MD, that supports and promotes financial independence for women globally

Posted by M&T Bank on Wednesday, December 8, 2021

M&T Business Customer, Bolton Therapy & Wellness, is an LGBTQ+ owned psychotherapy practice, founded to help all...

Posted by M&T Bank on Monday, June 28, 2021

We’re celebrating Than Oo and his wife Ka Paw, two M&T customers whose entrepreneurial spirit helps their community to...

Posted by M&T Bank on Thursday, May 13, 2021

Bobby Anderson started F BITES in 2009 after competing on Hell’s Kitchen and working for Gordon Ramsey in London. The...

Posted by M&T Bank on Saturday, February 6, 2021

Eat your way through Spain without leaving Washington, DC, at Taberna del Alabardero - Washington DC, a traditional Spanish restaurant that was founded in 1974 in Madrid but has been bringing the flavors stateside since 1989

Posted by M&T Bank on Tuesday, December 7, 2021

We’re celebrating Pemba Tamang, an M&T customer who has a long history around helping and serving his community. Born in...

Posted by M&T Bank on Wednesday, May 5, 2021

David Femi, Head of the Multicultural Banking Team, uses his voice to define the value of diversity in local economies....

Posted by M&T Bank on Friday, February 5, 2021

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.
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​Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. See full terms and conditions at