Compare Checking Accounts

M&T offers four unique personal checking account options that include convenient features like Zelle® and mobile check deposit. See what account fits you best.

Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.
Deposits are subject to verification. Funds not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except Federal Holidays. 

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EZChoice Get the essentials for no monthly maintenance fee.3 Open Account! MyWay Banking A checkless account without the worry of overdraft fees.4 Open Account MyChoice Plus Enjoy ATM surcharge rebates and earn interest. Open Account MyChoice Premium Exclusive rates on deposits, loans, and more. Open Account
Maintenance Fee and Waiver Options12?
$0 / month $0 / month15
with one or more
transactions each monthly
service charge cycle,
such as a deposit,
withdrawal, or any debit
payment
$0 / month
with average
daily balance of $2,500
or more per monthly
service charge cycle
-OR-
direct deposits
totaling $1,500
or more per monthly
service charge cycle
$0 / month
with an average
daily balance of $7,500
or more per monthly service
charge cycle
-OR-
combined daily average balances
of $25,000 or more
in eligible accounts6
$0 / month $0 / month15
with one or more
transactions each monthly
service charge cycle,
such as a deposit,
withdrawal, or any debit
payment
$0 / month
with average balance
of $500 or more per
monthly service charge
cycle
-OR-
direct deposits totaling
$500 or more per
service charge cycle
$0 / month
with an average
daily balance of $7,500
or more per monthly service
charge cycle
-OR-
combined daily average balances
of $25,000 or more
in eligible accounts6
Monthly Fee if requirements are not met
Free $4.95 $14.95 $24.95
Free $4.95 $4.95 $24.95
No fee at non-M&T ATMs7 & rebates
of other banks1 ATM fees5,8?
No fee at non-M&T ATMs7 & rebates
of other banks1 ATM fees5,8?
Interest Bearing ?
9
No Overfraft Fees4?
Free standard check orders11
Discounted Personal Loan Rates10
MyChoice Money Market with no monthly fee12?
Relationship Savings with no monthly fee12
Special Deposits Interest Rates
No Fee for Overdraft Protection Transfers13?
Safe Deposit Box Discount14
No Fee for Incoming Wire Transfers

Account Overview
Common fees for checking accounts (PDF)

EZChoice Get the essentials for no monthly maintenance fee.3 Open Account MyWay Banking A checkless account without the worry of overdraft fees.4 Open Account MyChoice
Plus
Enjoy ATM surcharge rebates and earn interest. Open Account
MyChoice Premium Exclusive rates on deposits, loans, and more. Open Account
Maintenance Fee and
Waiver Options12?
$0 / month $0 / month15
with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal, or any debit payment
$0 / month
with an average daily balance of $2,500 or more per monthly service charge cycle
-OR-
direct deposits totaling $1,500 or more per monthly service charge cycle
$0 / month
with an average daily balance of $7,500 or more per monthly service charge cycle
-OR-
combined daily average balances of $25,000 or more in eligible accounts6
Maintenance Fee and
Waiver Options12?
$0 / month $0 / month15
with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal, or any debit payment
$0 / month
with average balance of $500 or more per monthly service charge cycle
-OR-
direct deposits totaling $500 or more per service charge cycle
$0 / month
with an average daily balance of $7,500 or more per monthly service charge cycle
-OR-
combined daily average balances of $25,000 or more in eligible accounts6
Monthly Fee if
requirements are
not met
Free $4.95 $14.95 $24.95
Monthly Fee if
requirements are
not met
Free $4.95 $4.95 $24.95
No fee at non-M&T
ATMs7 & rebates of
other banks' ATM
fees5,8?
No fee at non-M&T
ATMs7 & rebates of
other banks' ATM
fees5,8?
Interest Bearing ?
9
No Overdraft Fees4?
Free standard check
orders11
Discounted Personal
Loan Rates10
MyChoice Money Market
with no monthly fee12?
Relationship Savings
with no monthly fee12
Special Deposits
Interest Rates
No Fee for Overdraft
Protection Transfers13?
Safe Deposit Box
Discount14
No Fee for Incoming
Wire Transfers

Have questions? Call Us at 1-800-724-2440

Connect with us through our extensive branch network, or 24-hour automated banking by phone. We can help you with any questions you may have anytime, day or night. Make an Appointment

 There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply to this account.
If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. In the case that your account is overdrawn, you will not be charged an overdraft fee.
Fees and account features will vary by region.
Maintain combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments, and business deposit accounts.  For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through the Telephone Banking Center. Brokerage services and insurance products are offered by M&T Securities, Inc. (member of FINRA/SIPC), not by M&T Bank.
M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, DC. 
M&T will reimburse the checking account (up to $2 per transaction) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, DC.
MyChoice Plus Checking is available with or without interest. 
 Loans are subject to credit approval and certain restrictions may apply.
No fee for standard checks and 50% discount on other check styles.
Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking/Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
Overdraft protection is available either through a link to an M&T Savings Account, M&T Visa® Credit Card or M&T Overdraft Line of Credit. Overdraft Line of Credit and M&T Visa Credit Card are subject to credit approval. Fees may apply to use for overdraft protection services. 
Waiver of annual rental fee of $50 or less for one safe deposit box or 50% discount on the annual rental fee for one safe deposit box with a fee of more than $50 (up to a maximum discount of $200). Location of safe deposit boxes subject to availability.
​Regardless of whether a monthly maintenance charge applies, M&T checking accounts are subject to transaction and service fees, as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
EZChoice Checking is considered a New York Basic Banking Account and a New Jersey Consumer Checking Account.
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 full details.