Overdraft Protection Plans

Help to ensure that your checking account transactions are covered by linking your account to your preferred funding source. Choose the plan that’s right for you.

Learn More About Overdraft Fees >

Overdraft Protection Plans

With an overdraft protection plan, available funds from your M&T Overdraft Line of Credit, Savings Account or Credit Card are automatically transferred to your checking account in the event you don’t have sufficient available funds in the checking account to cover an item. Our overdraft protection plans provide flexibility in case funds are not readily available in your checking account to do a withdrawal or make a payment.

Review the plans below to see which one is the right fit for you. If you’re unsure of which one would work best, talk to one of our Relationship Bankers at your nearest branch for help.

Savings Overdraft

By linking your M&T Savings Account to your M&T Checking Account, you can use your own funds to cover any overdrafts.

Transfers

Rates and Fees

Additional Information

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We will transfer the amount needed to cover overdrafts on your personal checking account. You must have enough funds available in your linked savings account for the transfer to occur.

Transfer Fee:
$12.50 per transfer, charged no more than once per day.

Customers must have an M&T Checking Account.

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M&T Visa Credit Card

Link your M&T Visa© Credit Card, and we will transfer the amount needed to cover your overdraft transaction up to your available credit limit.,

Transfers

Rates and Fees

Additional Information

Apply Now

We will transfer the amount needed to cover overdrafts on your personal checking account up to the amount of the available credit on your M&T Visa Credit Card. You must have enough credit available on your linked M&T Visa Credit Card for the transfer to occur.

Overdraft Transfer Fee:
$12.50 for each transfer but charged no more than once per day.,

Transfers from your M&T Visa Credit Card are subject to a variable Interest Rate. Please see your M&T Visa Credit Card disclosures for additional information.

Customers must have an M&T Checking Account.

You will be billed monthly on your credit card statement for overdraft transfers and other charges made using your M&T Visa Credit Card.

Subject to credit approval.

Through your Online Banking Account (Select "Apply for a Credit Card" on the Account Summary Page)

Overdraft Line of Credit

An M&T Overdraft Line of Credit provides the ability to apply for a line up to $25,000, and we will cover your transaction up to your available credit limit.,

Transfers

Rates and Fees

Additional Information

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$250-$25,000 line of credit linked to your M&T Checking Account.

We will transfer the amount needed to cover overdrafts on your personal checking account. You must have enough credit available in your linked line of credit for the transfer to occur.

Annual Percentage Rate (APR):
18% ,

No annual fee.

Overdraft Transfer Fee:
$12.50 for each transfer but charged no more than once per day.

Customers must have an M&T Checking Account.

You will be billed monthly for overdraft transfers and any applicable interest charges and fees on your Overdraft Line of Credit statement that is combined with your monthly checking account statement.

Subject to credit approval.

Apply Now >

Apply for a Bank Overdraft Protection Plan now.

To apply for an M&T Overdraft Line of Credit, call 1-800-724-3222 or apply online.

To link a savings account as overdraft protection, call 1-800-724-3222.

For a new M&T Visa Credit Card, call 1-800-724-3222 or apply online through your Online Banking Account (Select "Apply for a Credit Card" on the Account Summary Page).

You can always visit your local branch for help with any of the services above.

Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
There is no transfer fee for automatic overdraft transfers to a Power Checking account or a MyChoice Premium Checking account. 
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
There is no transfer fee for automatic overdraft transfers to a Power Checking account or a MyChoice Premium Checking account. 
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
Overdraft Line of Credit subject to credit approval. Not all borrowers will qualify. Other terms and conditions may apply.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
Overdraft Line of Credit subject to credit approval. Not all borrowers will qualify. Other terms and conditions may apply.
There is no transfer fee for automatic overdraft transfers to a Power Checking account or a MyChoice Premium 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.