Direct Deposit

Get your pay or other recurring checks automatically deposited into your bank account. It’s an easy way to save you time and there is no charge to receive direct deposits into your personal M&T account.

Download Direct Deposit Forms >

How to Enroll

Direct Deposit is a convenient service that allows for recurring deposits to be made electronically into an account of your choice. Deposits can include your wages, Social Security or other income.

To enroll in Direct Deposit for your pay, just make sure that your employer supports this method of payment. Also confirm whether you need to fill out a direct deposit form from your employer in addition to ours.

​​​Submit your forms to your employer’s HR or payroll department.

Fill out a Payroll Direct Deposit form and submit to your payroll department.

Download Direct Deposit Form (PDF) >

​​Do you receive Federal Benefits Payments?

Do you receive Social Security or Supplemental Income? If so, you can enroll in direct deposit for your Social Security, Supplemental Income or other federal benefits payments through the website below.

Visit Go Direct >

Benefits of Direct Deposit

Quicker Access to Your Money

Reduce the time it takes to get your check by having it directly deposited into your bank account.

​​​Fewer Trips to the Bank

No need to take your checks to the bank for deposit.

​​​​More ​Opportunities to Save

Direct Deposit can help you create an automatic savings plan when you have a portion deposited into your savings account. You may also use M&T’s Easy Save to transfer money from your checking into your savings account automatically.

Need help finding your Routing/ABA Number or Account Number?

To set up a direct deposit, you’ll need to know your Routing/ABA Number and your Account Number. The following check image can help you determine which number is which. Just make sure that you refer to your own check or savings withdrawal ticket when you fill out the direct deposit form.

M&T Bank check with the routing number highlighted in the lower left corner.

If you don’t have checks with your account, you can find your Account and Routing/ABA Number in M&T Mobile Banking. Select your deposit account from the Account Summary screen then tap the “ACCT INFO” button in the upper right hand corner.  

screenshot of checking account balance.
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.