Accounts & Services Guide

As you get closer to transition weekend, we want to help you prepare. This page is your quick start guide where we share key dates, important changes to your account, new features coming your way and how to contact us when you need our support.

Getting ready for transition weekend September 2–5, 2022


Prepare early by scheduling payments and withdrawing cash prior to the weekend.


People's United branches close early. Please check the posted signs at your branch. People's United Online and Mobile Banking will no longer be available after 5pm ET. 

During mobile and online banking downtime, you will have access to banking services including ATMs, as well debit and credit cards and our call centers will be open to assist with any needs


Begin using your new M&T Debit or ATM Card (cards will be mailed to you 2–4 weeks prior to transition weekend).


Branches reopen at their usual time. M&T Mobile and Online Banking available.

Branches unavailable transition weekend.

People's United branches and online/mobile banking will be unavailable Saturday, Sept. 3–Monday, Sept. 5, 2022. Plan to visit the branch earlier that week for your banking needs.

Account Number Changes

As you transition to M&T Bank, here is what you need to know.


Your account number will remain the same, unless we notify you otherwise.

Other Accounts

You'll receive a new account number for the following:

  • Savings
  • Money Market
  • Certificates of Deposit
  • IRAs
  • Loans and lines of credit

Your new account numbers will be sent to you in a separate mailing prior to transition weekend.

Routing Number

Use M&T's routing number, 022000046, after transition weekend for wire transfers and any electronic payments.

Additional Account Details

We want you to have all the information you need as we get closer to transition weekend.

Checking, savings and money market account statements

You'll receive two statements for the month of the transition:

  • A final People’s United document covering the period from your last statement date to the time your accounts move to M&T systems, including transactions and any interest earned for the period
  • A statement from M&T covering the period from the time your accounts move to M&T systems to your next regular statement date

Future statements will be sent on approximately the same schedule and with the same delivery method as today unless we notify you otherwise.

Automatic payments

In most cases, automatic payments currently deducted from your checking or savings account will continue without interruption. We’ll notify you separately if your current automatic payment cannot be accommodated.

Note: For personal loans and lines of credit, we will only attempt to deduct a payment once each month from your account. Please review the personalized letter you should have received in the mail for details.

Direct deposits

Nothing is changing. If your checking and/or savings account currently has direct deposit set up, you'll continue to receive deposited funds as scheduled. No additional action is required.

Changes to posting order

After transition weekend, funds from cash and checks you deposit will be paid in a different order.

For details on our policies, see pages 36-37 in the Consumer Deposit Account Terms and Conditions.

Mailing payments 

If you currently send in your payment or deposit by mail, the address will change after transition weekend to:

M&T Bank
PO Box 62087
Baltimore, MD 21264-2087

View our disclosures

To learn more about terms and conditions, please visit

Access self-service options by phone.

Call 1-800-724-2440 for automated access 24/7  to your accounts by phone. You will need your debit card number and PIN or account number and Social Security Number to get started.

Using and Reordering Checks


Continue using your existing People's United checks until your supply runs out, even after transition weekend. Then, order updated checks online through Deluxe, M&T's check provider, at or call 1-877-838-5287 Monday through Friday 8am–8pm and Saturday 9:00am–5:30pm ET.

View Your Check Images

If your People's United statement displays images of your canceled checks, your new M&T statement will feature only the front side of the canceled check. Log in to M&T Online Banking to view both sides.

Home Equity Line of Credit

Continue to use your existing checks until you receive your new supply of M&T convenience checks soon after transition weekend. If you have not received your checks within three weeks of transition weekend, please call us at 1-800-724-6444.

Update recurring payments.

After transition weekend, remember to update any recurring payments linked to your debit card with your new card information.

Debit and ATM Cards

Important dates and action items to remember.

2—4 weeks prior to transition weekend

  • You'll be mailed an M&T Visa® Debit or M&T ATM Card in August with a new card number, expiration date and 3-digit security code, (ATM cards expire every 5 years)
  • Activate your M&T Debit Card as soon as you receive it. ATM cards do not need to be activated 
  • Continue to use your People's United Card until transition weekend
  • Your PIN will remain the same for any debit or ATM card opened prior to July 14
    • If your debit or ATM card or your account was opened after this date, or if you changed your PIN after this date, you’ll receive a new PIN
  • A separate PIN mailer will be sent to you with your PIN listed. You can change your PIN at the branch or by phone after transition weekend

Saturday of transition weekend

  • Safely discard your People's United Debit or ATM Card
  • Begin using your new M&T Debit or ATM Card
  • Remember to add your M&T Card to your mobile device's digital wallet and remove your People's United Debit Card

Good news!

  • For the first month after transition, when you use your M&T Debit or ATM Card at a non-M&T ATM, you will not be charged any M&T ATM fees and will receive a rebate of any non-M&T ATM fees charged by the ATM operator in the 50 United States and the District of Columbia

Changes to your debit card

  • Temporary debit cards will no longer be available after transition weekend
  • Merchant-sponsored rewards are not available with your new M&T Debit Card
  • You can link up to 4 personal checking, 4 personal savings and 2 personal lines of credit to a single debit card. You’ll receive a list of your linked accounts with your new debit card. To change the accounts on your card, contact us after transition weekend
  • For customers with a World Debit Card: Mastercard® premier services will no longer be available
Debit card daily limits:
  • ATM transactions: up to 15 ATM transactions in which you receive no more than $1,000 in total per day
  • Purchases and other payments (e.g., bill payments): up to 20 transactions not to exceed $5,000 in total per day

Changes to your ATM card

  • Please note if you have a People’s United Debit Card linked primarily to a savings account, you’ll receive an M&T ATM Card as a replacement
  • You can link up to 4 personal checking, 4 personal savings and 2 personal lines of credit to a single ATM card. You’ll receive a list of your linked accounts with your new card. To change the accounts on your card, contact us after transition weekend
ATM card daily limits:
  • You can make up to 9 ATM transactions (in which you receive no more than $1,000 in total) per day
  • M&T ATM Cards cannot be used for purchase transactions

See pages 25-34 in the Consumer Deposit Account Terms and Conditions booklet for additional details surrounding your new card, including information on transaction limitations and fees.

Use your new M&T Debit or ATM card.

Start using your new M&T Debit or ATM Card on Saturday of transition weekend. If you continue to use your People's United Debit or ATM Card, you may be charged a foreign ATM fee.

New Features for Your M&T Card

Personalize your card.

Add a photo or image at no additional fee.


Tap to pay.

Shop contactless with your M&T Debit Card.

Lock your card.

Prevent transactions if you ever misplace your card.

Icon Digital Wallet

Use digital wallet.

Add your M&T card to your mobile device.

Log in to mobile or online banking.

Visit our mobile and online banking resource center to learn about changes coming to the M&T mobile and online platform, or enroll now.

Watch for communications about other accounts and services:

  • Business accounts
  • Credit cards
  • IRAs
  • Mobile and online banking services
  • Mortgages
  • People’s Securities Inc. and People’s United Advisor accounts
  • Workplace Banking
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.