PERSONAL BANKING

Mobile and Online Banking FAQs

Money Movement

eBills (service for receiving bills electronically) will not be supported beginning on August 5, 2022. 

Learn About M&T Bill Pay >

You can schedule an internal transfer from your M&T checking or savings account to make your M&T credit card and M&T loan payments.

Please note: When scheduling a bill payment using M&T Bill Pay, your instructions will define the Delivery Date of the payment. For electronic bill payments, funds will be withdrawn two business days prior to the Delivery Date. For paper bill payments, funds will be withdrawn four business days prior to the Delivery Date.

Learn About M&T Bill Pay >

  • We have worked to migrate several digital services, including bill payments, to M&T Mobile and Online Banking. Please note that exceptions may apply. For more information, please visit the M&T Notice of Changes to Digital Services for Personal Accounts (PDF)
  • Please log in to M&T Mobile and Online Banking and verify your payments and payees

Certain types of Bill Pay payments and payees may not automatically migrate. You can learn more about how to schedule a bill payment and add a payee at M&T Bank here:

  • We have worked to migrate several digital services, including internal transfers, to M&T Mobile and Online Banking
  • When M&T Mobile and Online Banking become available on Tuesday, September 6, 2022, you will be able to log in and verify your account balances, settings, payments and transfers

You may need to reschedule certain types of transactions that will not be migrated, including external bank to bank transfers. Here are demos explaining how to:

  • Schedule an internal transfer at M&T Bank: View Demo
  • Add an external account to the Bank to Bank Transfers service: View Demo
  • Schedule an external transfer using the Bank to Bank Transfers service at M&T Bank: View Demo >  

 

No. You will need to reschedule your mortgage payments when M&T Mobile and Online Banking become available on Tuesday, September 6, 2022.

If you are enrolled in Mobile Check Deposit, you can check your current limit by logging in to the M&T Mobile Banking App or by selecting Mobile Deposit under the Services menu within M&T Online Banking.

You can view your daily and 30-day limits in the payment screen by selecting the question mark next to Limits. A text box will appear to show the remaining amount available for sending in the current 24-hour period. Send limits are set by M&T Bank.

Learn More About Zelle >

After September 6th, remember to update your account with your new M&T Debit Card number.

Transfer Instructions are subject to a daily and a 30-day limit. Your limits can be confirmed during enrollment and within the ‘Schedule transfer’ page of the service.

Learn More About Bank to Bank Transfers >

 

Account Access

If you haven't yet logged in to M&T Online Banking for the first time or have tried to log in but were unsuccessful:

Try resetting your passcode at mtb.com/reset. To reset your passcode, you’ll need:

  • Your People’s United Online Banking User ID
  • Your Social Security Number
  • One of the following verification methods:
    • Your activated M&T Debit or ATM card and PIN (If you haven’t activated your Debit or ATM Card, follow the instructions on the sticker on the front of your card)
    • Your M&T Mortgage account number

Once you receive confirmation on the screen that you've successfully reset your passcode, click the green "Log in to Online Banking" button and use your People's United User ID and newly created passcode to log in.

You may need help resetting your passcode. You'll need to contact an M&T Representative at 1-800-790-9130 if:

  • You don’t know your People’s United User ID or
  • You’re People’s United User ID has a special character (e.g.,! $ # & * etc.) or 
  • You don't have or unable to activate your M&T Debit or ATM Card

If you have already logged in to M&T Online Banking:

Go to mtb.com/reset

You'll be asked to enter your User ID and Social Security Number or Tax Identification Number. 

Next you’ll need to verify your identity. You can either use your M&T Debit Card or ATM Card, your M&T Credit Card, your M&T Online Banking Security Questions, your M&T Mortgage Account or other verification method. It’s important to note: 

  • If you use your M&T Debit or ATM card, you will also need your PIN number
  • If you use your M&T Credit Card, you will also need your 3-digit Security Code
  • If you opt to answer your security questions, you will need to answer two correctly
  • If you use your M&T Mortgage Account, you will need your account number

Once you’ve provided all the necessary information, you can change your passcode and use your User ID and newly creaed passcode to log in to M&T Online Banking.

If you’ve logged in to M&T Mobile and Online Banking previously and need to unlock your account or reset your security questions, you can do that online.

Unlock Account/Reset Security Questions > 

 

You can also call our automated telephone banking system at 1-800-790-9130:

  • You will need your M&T Debit or ATM Card number and PIN, and your Social Security Number
  • When prompted select option 1, “Help me log in”
  • Select option 1, “My Password" 
  • Enter your ATM or Debit Card number, PIN, and Social Security Number, followed by Option 1, "Unlock"

We recommend that you first login to M&T Online Banking before downloading the M&T Mobile Banking app.

Follow the first time log in steps if you haven't yet logged into M&T Online Banking for the first time or you've tried to log in for the first time and have been unsuccessful.

After you’ve completed those steps, you can log in to the M&T Mobile Banking app.

The M&T Mobile Banking app is available on the App Store for iPhone® or Google Play for Android™.

          

Accessing M&T Online Banking from your desktop computer or browser:

  • For checking accounts, you can see 60 days of People’s United transaction history. We are working to provide additional transaction history for checking accounts
  • For savings accounts, you can see 18 months of People’s United transaction history

Accessing M&T Mobile Banking from the mobile app:

  • People’s United transaction history is not available in the M&T mobile app
  • To see your People’s United transaction history please access M&T Online Banking
  • People’s United transaction history is not available in the M&T mobile app
  • To see your People’s United transaction history please access M&T Online Banking

We've been able to transition mobile and online banking services for most customers. 

Follow the first time log in steps if you haven't yet logged into M&T Online Banking for the first time or you've tried to log in for the first time and have been unsuccessful.

There were some instances where we were not able to transition your People’s United Online and Mobile Services to M&T Mobile of Online Banking. You should have already been notified if you were affected by this issue.

  • We have worked to migrate several digital services, including statement delivery settings, to M&T Online Banking
  • Please log in to M&T Online Banking and verify your delivery preferences
  • Your preferences for online statements and notices will remain the same if you log in to M&T Online Banking by Wednesday, October 5, 2022
  • If you or another account holder do not log in prior to the above date, you will begin to receive paper statements and notices on or after Thursday, October 6, 2022. You will be able to update your statement delivery settings by visiting the Settings and Support tab in M&T Online Banking

 

People’s United online statements and documents will not be viewable through M&T Online Banking.

However, you will be able to request paper copies of historical electronic statements for current or closed accounts for a fee by calling us at 1-800-724-2440 or visiting a branch.

Please note we will waive any fees for copies of your statements for 60 days post transition weekend.

Access to the Person to Person Pay online service at People’s United Bank will not be supported after 5pm on Friday, September 2, 2022.

You can learn more about using Zelle® to send or receive money from people you know and trust at mtb.com/Zelle.  

 

Please note: If you currently use the Zelle app, beginning on Tuesday, September 6, 2022, you will need to enroll in Zelle within M&T Mobile or Online Banking to continue to use the Zelle service.

Access to the Personal Finance online service at People’s United Bank will not be supported after 5pm on Friday, September 2, 2022.

M&T Money Smart can help you manage your personal finances.

M&T Money Smart will not display prior transaction history from People’s United Bank accounts or inactive accounts.

Text Banking will not be supported after Friday, September 2, 2022, so you will not be able to use text messaging (SMS) to get account balances or view recent transaction history.

Quicken® / QuickBooks®

Special characters (e.g., !, $, #, &, *, etc.) in your M&T Online Banking User ID or Passcode are not allowed when connecting to M&T Bank Direct Connect through Quicken® or Quickbooks®. If you have a special character in your M&T Online Banking User ID or Passcode, please log into M&T Online Banking or M&T Online Banking for Business to remove any special characters from your User ID or Passcode, then try to connect to M&T Bank Direct Connect through Quicken® or Quickbooks®.

If you do not have any special characters in your M&T Online Banking User ID or Passcode and are unable to connect to M&T Bank Direct Connect, please contact the M&T Bank Online Support team at 1-866-791-0663 for assistance.

Below are the steps you’ll need to take to connect your Quicken® or QuickBooks® accounts with M&T Direct Connect: 

• Beginning Tuesday, September 6, 2022, follow the instructions that will be provided at mtb.com/peoplespersonallogin to log into to M&T Online Banking or enroll in M&T Online Banking if you do not use People’s United Online or Mobile Banking. 

• After logging in to M&T Online Banking, enroll in Direct Connect – go to the Services tab and click View All Services. Under Direct Connect for Intuit Quicken® Software, click Enroll Now.

• Switch the Connection from People’s United to M&T by opening the guide, applicable to the product you currently use, and the following the conversion steps within your Quicken®/QuickBooks® software. 

1. QuickBooks® Desktop - mtb.com/quickbooksconversion

2. QuickBooks® Online - mtb.com/quickbooksconversion

3. Quicken® - Direct Connect - mtb.com/quickenconversion

Once you've completed the steps, you can verify your download transactions to ensure no transactions were duplicated or missed on the register. 

Only M&T Checking accounts are eligible for Direct Connect Bill Pay used by Quicken® Windows/Mac and QuickBooks® Windows. 

Yes, you will be able to use QuickBooks® Online with your M&T Account. Conversion steps can be found at www3.mtb.com/quickbooksconversion

At this time M&T does not offer file formats that support Web Connect (.QFX/.QBO). You will have the ability to convert to M&T Direct Connect at no extra charge. Direct Connect will provide you with the same interface and will allow for automatic updates (no manual updates) of financial data and access to Bill Pay and transfers. You should not experience any impact to your data through the transition.  Please follow these instructions: Quicken conversion instructions or QuickBooks conversion instructions.

Q) What is the difference between Direct Connect, Web Connect and Express Web Connect?

Below is detail on the different Intuit Products and supported connection types:

 

1) Direct Connect: QuickBooks® & Desktop Quicken®

Direct Connect is one of two automatic update options that communicates through a direct link with M&T. You do not need to log in directly to M&T Online Banking site to use this connectivity type. Once connected, updates will occur when you initiate a new download request from within the product. Direct Connect is the only two-way communication connectivity type, so additional services such as Bill Pay, and in-product transfers are supported.

Direct Connect is supported by M&T Bank.

 

2) Web Connect: QuickBooks® Desktop, QuickBooks® Online & Quicken®

Web Connect is the connectivity type that begins in M&T Online Banking site. You will download a .qbo (QuickBooks®) or .qfx (Quicken®) file and import that file into QuickBooks® or Quicken®. This process does not require credentials to be entered in Quicken® or QuickBooks® since the file download occurs within M&T Online Banking site.

The file formats described are currently not available for download through M&T Online Banking. Customer who use Web Connect can convert to Direct Connect as an alternative.

 

3) Express Web Connect: QuickBooks® Online, Quicken® & Mint

Express Web Connect is the second of two automatic update options. Unlike Direct Connect which communicates through a direct link with M&T, Express Web Connect gathers your data through your log-in credentials to retrieve transactions from M&T Online Banking.

M&T Bank is an option for customers, but M&T Bank does not offer customer support for QuickBooks® Online. We ask that you reach out to Intuit for any questions/issues.

Please follow the instructions on Intuit's Quicken® Support page to refresh the Financial Institutions Directory.

Please follow the instructions on Intuit's QuickBooks® Support page to refresh the Financial Institutions Directory.

Yes, your new M&T accounts will be available through mint.com however, for a successful Mint.com profile transition, do not log into your Mint.com until Tuesday September 6th.

Mint.com data is stored on Intuit cloud servers. Data is updated every time you log in and cannot be restored to a previous point in time.

Self Service

You can choose to receive alerts via email, text or app notification. You will automatically be enrolled in security alerts like suspicious activity and PIN change, and you can also enroll in optional alerts.

Learn More About M&T Alerts >

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. 
​Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier’s text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
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