Online & Mobile Banking Security

We're committed to protecting your sensitive information – see what we're doing to help make online and mobile banking more secure.

Bank with Confidence

M&T Online Banking and M&T Mobile Banking{{d204*}} have multiple features in place to help protect your financial and personal information.

  • You must provide at least 2 separate pieces of information for verification during enrollment
  • You will always be asked to enter your unique User ID and passcode upon login unless you previously enrolled in fingerprint or facial recognition login using a compatible device requiring your fingerprint or facial recognition data to login to the mobile app
  • You will be periodically asked to answer personalized security questions to gain account access or you may be sent a one time passcode (OTP) to your email, mobile number or though push notification.
  • Your data will be ​stored and transmitted with 256-bit SSL encryption
  • You will be automatically logged out of an inactive session


Learn more about our Mobile Banking Services

If you have security concerns, let us know

If you are concerned that your account has been compromised, please contact M&T Online Customer Service at 1-800-790-9130
(Monday–Friday 8am–9pm, Saturday–Sunday 9am–5pm ET). To report phishing scam attempts, please email