Paying your mortgage
Access your account and pay anytime,
from any device.
Have questions? We're here to help.
How can I make mortgage payments to M&T?
You can make your mortgage payments in the following ways:
Online Payments. Visit onlinebanking.mtb.com. If you haven’t already created a User ID and Passcode, you will need to do so by selecting “Enroll Now.” Learn more about how to enroll in online banking (PDF).
Note: you do not need an M&T Bank checking or savings account to make an online payment–you can use a checking or savings account at any financial institution. If you are already enrolled in M&T Online Banking, you can view instructions on how to make a payment online (PDF).
Payments by Mail. P.O. Box 62182, Baltimore, MD 21264-2182. Be sure to include your coupon with your first payment to M&T. If you’ve misplaced your coupon, write your new M&T mortgage account number on your check. Payments should be made payable to M&T Bank
Automatic Deduction. You can automatically deduct your mortgage payment from the account of your choice through M&T by visiting onlinebanking.mtb.com. To enroll in non-monthly deductions, follow the instructions at mtb.com/achenroll
Other Payment Options: Pay in-person at any M&T branch
Can I set up automatic payments to use funds from my bank account?
You can sign up for automatic deduction of your mortgage payments using M&T Online Banking. Log in, navigate to your mortgage account information, select “View My Mortgage Info,” select the Payments section in the top navigation bar, and then choose Auto Draft Payment.
Learn how to enroll in automatic payments (PDF).
Can I cancel my automatic payments?
Yes, you can cancel your automatic payments in a variety of ways:
1. If you’re enrolled in monthly automatic payments, log in to M&T Online Banking to cancel online or call us at 1-800-724-2224
2. If you’re enrolled in the Flexible Payment Program, call us at 1-800-724-2224
3. If you’re enrolled with an online or third-party bill pay provider, please reach out to that provider to cancel the service
Note: If you choose to call us to cancel this service, you’ll need to call no later than three business days prior to the scheduled deduction.
Will I be charged a late fee if the last day of my grace period falls on a weekend or holiday?
A late fee will not be charged if the payment is received the next business day after the weekend or holiday.
When will my funds be deducted from my account to pay my mortgage?
Online payments may take 24 – 48 hours to be deducted from your account, but will post to your mortgage same day. Please allow 24 hours for your payment to be visible on your mortgage account
Phone payments may take up to 48 hours to deduct from your account, but will be posted to your mortgage same day. Please allow 24 hours for your payment to be visible on your mortgage account
Automatic payments will be deducted from your account on the designated deduction date. Please allow 24 hours for your payment to be visible on your mortgage account
MORTGAGE ASSISTANCE PROGRAMS
Take comfort with repayment options.
M&T offers a number of assistance programs across certain mortgages to help you keep up with your payments. Let’s work together to find the right solution for you.
Help Center What can we help you with today?
Reassurance when you need it most.
The M&T servicing team is happy to assist you.
Have a question about your existing M&T mortgage? Let us know and we'll get back to you as soon as possible.