M&T Mobile Banking

Bank quickly and get back to what matters most to you.

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Download our app for AndroidTM or iPhone® at no additional cost from M&T.

Banking should be simple, quick and convenient; that’s the idea behind the M&T Mobile Banking App built for both personal and business customers. You can check balances, deposit checks, review and search for transactions, search for ATMs and branches and send payments with a design that’s clean and easy to use.

Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.

iPhone® iOS version 8 and later

Android™ OS version 4.0.3 and later​

Deposit checks.

Deposit checks conveniently from your smartphone at no extra M&T charge., Make same business-day check deposits until 10pm ET. View deposited and cleared checks right within the app.

M&T Flash FundsTM

M&T Flash Funds provides you the option, for a fee, to make your mobile deposit immediately available for withdrawals or purchases. If your check qualifies, you will be prompted to select between standard availability at no additional charge, or M&T Flash Funds if you need the money sooner.

Transfer funds.

Transfer funds between all eligible M&T accounts and make payments to M&T loan and credit card accounts.

Pay bills.

Quickly make payments to almost anyone with our Bill Pay Guarantee. Don't have Bill Pay? You can now easily enroll by selecting Pay A Bill in the app.

Log in with your fingerprint or facial recognition.

Log in to your accounts using just your fingerprint or facial recognition on compatible devices.

View account balances, transactions and check images.

Access your M&T personal and business accounts. Important information – like available balances and credit limits – is front and center to make life a little bit easier.

Manage Debit Cards and Credit Cards

Order a replacement card, report a lost or stolen card or add authorized users to your credit card.

Additional M&T Mobile Banking Services

Stay on top of important account activity with M&T Alerts.

Learn more about M&T Alerts and how you can get timely account information via email, text or app notification.

Not enrolled in M&T Online Banking?

Before using the mobile app, you must first be an Online Banking customer.

Enroll Now >

Make an Appointment >

Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
Deposits are subject to verification. Funds from mobile check deposits will not be 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. 
If selected, your mobile deposit will be immediately available. The fee for this service is 2% of the total check amount ($2 minimum charge). The fee will be deducted from your account following the completion of your deposit. If the deposit is made during our nightly processing, it will not be available to pay debit items that are processed for payment during that night’s processing. However, it would be immediately available for withdrawal.
M&T Online and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose.
We will cover up to $50 in late fees if a payment using M&T Online Bill Pay is late and you (i) scheduled the payment sufficiently in advance of the payment due date to allow for the payment to be processed and sent by us, and (ii) the date you selected as the Delivery Date was no later than the date your payment was due, excluding any applicable grace periods. Further, your payment must be scheduled according to the requirements set forth in the M&T Digital Services Agreement, and you must have sufficient available funds in your account. In the event your payee does not receive payment on time and charges you a late fee, contact Online Banking Support at 1-800-790-9130. We reserve the right to discontinue the Bill Pay Guarantee at our discretion at any time.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
iPhone® is a registered trademark of Apple, Inc. registered in the U.S. and other countries. Android™ is a trademark of Google LLC. Use of these trademarks is subject to the respective owner's permission.
M&T Bank is not endorsed, sponsored, affiliated with or otherwise authorized by Apple Inc. or Google LLC.
​Must have a bank account in the U.S. to use Zelle. Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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.