Our app brings the mobile branch to you

Get the M&T Mobile Banking App for access to your handheld personal banking experience in a moment's notice.

M&T Mobile Banking

Manage your money from the palm of your hand.

Send & receive money

Deposit checks on the go

Available on Android and iOS

Monitor your spending habits

How to Enroll

Getting started is easy.

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

Whether you have a personal or business account, our app makes banking quick and convenient at no extra cost from M&T.

Access your accounts on your smartphone in a few simple steps.

Step 1: Open the App Store for iPhone® or Google Play for Android™

Step 2: Download "M&T Mobile Banking"

Step 3: Log in with your existing User ID and Passcode

Manage your account from anywhere – anytime.

Deposit checks.

Deposit checks 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. 

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. 

Access money instantly.

M&T Flash Funds® provides you the option, for a fee, to make your mobile deposit immediately available for withdrawals or purchases.

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.

Transfer funds.

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

Pay bills.

Enroll now by selecting Pay A Bill in the app to quickly make payments to almost anyone with our Bill Pay Guarantee.

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.

Log in quickly.

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

See everything in one place.

Access your M&T personal and business accounts. Important information – like account and routing number, 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

Real-time account activity with M&T Alerts.

Get timely account information via email, text or app notification. Learn more >

Enroll in M&T Online Banking.

Access your accounts online. Log in with your existing credentials or enroll now.  Enroll Now >

Need help? Make an Appointment and we'll will walk you through the process of enrolling.

View Mobile FAQs >

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.
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.