Servicemembers Civil Relief Act

If you're on active duty, there may be a number of benefits and protections you're entitled to. Learn more about them, and call us at 1-855-350-SCRA (7272).

Financial Benefits & Protections for Servicemembers

Active duty U.S. Military members may be eligible for benefits and/or protections related to their accounts with M&T Bank, including:

  • Mortgages
  • Home Equity Lines of Credit
  • Student Loans
  • Credit Cards and Auto Loans
  • Marine and other Installment Loans
  • Lines of Credit

Some of these benefits and/or protections include:

  • Reduction or limits on interest rates. You may be entitled to a 6% interest rate cap (inclusive of certain fees) if you had an existing M&T loan that was disbursed prior to active duty. Please submit a written request, along with your active duty orders
  • Extended benefit time frame. SCRA requires that a lender extend interest rate and fee benefits on obligations secured by real property for a period of 12 months beyond the date your military service ends

Interest Rate Benefit Requests

Requests for SCRA interest rate benefits may be submitted to M&T in the following ways:

  • Mail to: P.O. Box 900, Millsboro, DE 19966
  • Fax to: 1-888-378-8444
  • In-person delivery at a full-service branch location
  • Email to:

​​Interest Rate Benefit Request Requirements

  • A written request accompanied by your active duty orders. We will review your orders and accounts to determine your eligibility
  • Provide enough information to ensure that we can identify your loan or safe deposit box
  • Requests and documentation must be received by M&T within 180 days from the end date of your military service
  • Only one request is needed for us to identify all accounts owned and serviced by M&T Bank
  • A friend or family member may submit the request on your behalf

Need more information?

  • Write us at: P.O. Box 900, Millsboro, DE 19966
  • Call our dedicated M&T Bank SCRA Servicing Team at: 1-855-350-SCRA (7272) (Toll Free) or 302-934-4872 (International), Monday–Friday 8:30am–5:00pm ET
  • Email us at:

For Non-SCRA related inquiries, you can contact our Telephone Banking team at 1-800-724-2440 or visit M&T Customer Service for more information.