Financial Education Center
We’re here to help with what’s important, no matter where life takes you. Choose what you’re focused on and see how you can prepare for the future.
Welcome to the M&T Bank Financial Education Center.
We’re here to help improve your financial understanding, no matter where life takes you. Our playlists are designed to help boost your confidence in understanding your personal finances as well as offer important advice to help you prepare for the future, no matter your stage of life.

Personalized Knowledge
Learning can be quick, easy and empowering. Review helpful materials that are appropriate for your individual financial goals and behaviors.
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Watch our video about life-changing weekly rituals >
Make an appointment to speak with a personal banker >
Learn about M&T Savings Options >
Read our latest article on working with a financial advisor here.

Banking for Families
Lay a solid financial foundation for your child's future. Learn about 529 plans, savings accounts, how to have family conversations about money and more.
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Financial Caregiving
Learn more about the responsibilities of caring for and protecting another person’s finances.
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Learn about detecting identity theft >
Make an appointment to speak with a personal banker >
Read our latest article on family conversations about cybersecurity here.

Banking for Teens
Good money habits last a lifetime. Open your first checking or savings account to save for your first car or a special event like prom.
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Learn about M&T Mobile Banking >
Read our latest article about Paying for College Responsibly here.
Read our latest article about the Countdown to College here.

Banking for College Students
From financing student loans to building credit, college is full of difficult financial decisions. Learn more about budgeting and paying for college.
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Learn about M&T Credit Cards >
Learn about M&T Student Loans >
Read our latest article about the 5 Benefits of a Secured Credit Card here.
Read our latest article about Building Your Credit Score here.

MagnusCards
M&T’s partnership with Magnusmode introduces individuals with cognitive disabilities to the fundamental steps in banking through a storytelling digital app.
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Read M&T's Accessibility Banking Policies here.

Banking for Life Changes
Major life changes like a new apartment or first full-time job may mean changing financial goals. Learn how to budget, use credit wisely, and save for the future.
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Learn about M&T Personal Loans >
Watch our video about Money Smart >
Learn about M&T Credit Cards >
Read our latest article about Budgeting here.
Read our latest article about the 5 Life-Changing Financial Habits here.

Building Financial Resilience
Learn about CARES Act benefits and helpful tips on building a financial safety net, even during a time of crisis.
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Learn about Improving your Credit >
Learn about M&T Savings Options >
Read our latest article on working from home here.
Read our latest article on how the CARES Act can help lessen the burden of your student loan payments here.

Becoming a Homeowner
Ready to buy or just getting started? Learn how to save for a down payment and build a budget that includes your future monthly mortgage payment.
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Learn about applying for a mortgage >
Need to set money aside? Open a savings account >
Watch our video about Money Smart >
Read our latest article about Mortgage Refinancing here.
Check out our Home Buying Worksheet

Preparing for Retirement
Determine whether you're properly insured and investing wisely for the future.
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Learn about M&T Investments & Retirement >
Read our latest article about Planning for the Future here.
Read our latest article about Retirement Amid a Volatile Market here.

Banking for Entrepreneurs
We're here to help you take a step closer to your dream of being an entrepreneur with lessons on the fundamentals of starting a business.
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Learn about M&T Mobile and Online Business Banking >
Read our latest article about Building a Relationship With Your Business Banker here.
Read our latest article about 5 Ways to Help Strengthen Your Business After Reopening here.

Growing your Small Business
Learn more about what it takes for your small business to thrive.
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Disclosures:
- All loans and lines of credit and all terms referenced are subject to credit approval and other conditions. Other terms, conditions, fees and restrictions may apply.
- M&T BANK RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
- This information is for students attending participating degree-granting schools. M&T Bank Undergraduate Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
- M&T Bank Loans are funded by M&T Bank.
- Information advertised valid as of 05/01/2021.
- Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
- Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. M&T Bank reserves the right to approve a lower loan amount than the school-certified amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.
- Interest is charged throughout the life of the loan—beginning with disbursement, during school, through any grace/separation period, and ending when the loan is paid in full. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. Payments may be required during the grace/separation period depending on the repayment option selected. Variable rates may increase over the life of the loan.
Las futuras comunicaciones verbales y escritas del banco pueden ser únicamente en inglés. Estas comunicaciones pueden incluir, pero no se limitan a, correos electrónicos, folletos, volantes, contratos de cuenta, estados de cuenta y divulgaciones, cambios en los términos o cargos o cualquier servicio de sus cuentas. Si surgiera alguna discrepancia como resultado de nuestros esfuerzos por prestarle servicio en su idioma preferido, se utilizarán los términos y las condiciones de los diversos acuerdos de servicio y los términos de cuenta de M&T Bank en inglés, que prevalecerán sobre las traducciones a otros idiomas.
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Future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, emails, brochures, flyers, account agreements, account statements and disclosures, changes in terms or fees or any servicing of your accounts. If any discrepancy arises as a result of our efforts to serve you in your preferred language, the terms and conditions within M&T Bank's various English language service Agreements and account terms will be used and prevail over other language translations.