How to Pay Your M&T Mortgage

Learn about our convenient payment options, get answers to frequently asked questions and explore ways to avoid late fees. 

Make an Online Payment
Enroll in Online Banking

Ways To Pay

We offer a number of convenient options to make your M&T mortgage payments.

Automatic Payments

Set it and forget it - with M&T’s Automatic Payment Solutions. They’re easy to set-up, available at no-charge and can be canceled upon request.

Pay Once a Month

-    Save time and postage.

-    Avoid late payments due to mailing delays.

If paying once a month works for you, have your payment automatically drafted on your choice of dates. Payments can be scheduled up to the end of your grace period (typically 15 days after your payment due date).

Enroll in Automatic Payments

Or Spread Your Payments Out.

-     Time your mortgage payment with when you get paid. Are you paid weekly or bi-weekly? Have one quarter of your payment drafted every seven days. Or pay half of your monthly payment every 14 days

-     Save on interest. Depending on the payment schedule you choose, you’ll potentially pay off your loan sooner and save on interest.

-     Make your payments more manageable. If you prefer you can simply make “half payments” twice a month, on the days you pick, so long as your entire payment is received by the end of your grace period (typically 15 days after your payment due date.)

Enroll in Flexible Payments

Other Ways to Pay

Pay by phone.

Call 1-866-241-6014 to use our automated payment processing system.

You’ll need:

  • Your mortgage account number
  • Your bank routing number
  • The bank account number from where you’d like the funds deducted to make your payment (We do not accept credit or debit cards)

Terms and conditions can be viewed here: www.speedpay.com/terms/

Pay by mail.

Mail your payment to:

P.O. Box 62182
Baltimore, MD 21264-2182

Please include:

  • Your mortgage payment coupon
  • A check made out to M&T Bank with your M&T mortgage account number written on it

Pay at an M&T branch.

Visit our branch locator to find an M&T branch near you.

Please bring:

  • Your mortgage payment coupon
  • A check made out to M&T Bank with your M&T mortgage account number written on it

Tips to avoid late fees.

Make your payment online or by phone.

Forget to mail your payment in time to reach us? You can make that payment free of charge, same day.

Terms and conditions can be viewed here: www.speedpay.com/terms/


Schedule automatic payments.

  • Enroll in automatic monthly payments through M&T Online Banking
  • For an alternative payment schedule, set-up flexible automatic payments


Make your payment before the grace period ends.

If your grace period ends on a weekend or holiday, you have until the next business day to make a payment and avoid a late fee.

Have questions? We're here to help.

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, click the 'Make an Online Payment' button above.

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

Pay-by-Phone: 1-866-241-6014

Other Payment Options:  Pay in-person at any M&T branch 

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.

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.

A late fee will not be charged if the payment is received the next business day after the weekend or holiday.

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

See Full Mortgage Payment F A Q

Refinancing just got easier.

Quickly compare rates and apply online.
Our mortgage experts are always here to help.

Get Started
Our Online Gadgets Make It Simple

With a few clicks, you can personalize loan programs, rates, payments and more. Or, let us know what you’re looking for, and we’ll make sure you’re matched with the right home loan expert.