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. 

Ways To Pay

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

Enroll in automatic payment deduction.

Avoid the worry of scheduling your payments each month and potential late fees, by enrolling in automatic payment deduction. 

You’ll need:

  • Your bank routing number
  • The bank account number from where you’d like the funds deducted to make your payment

Follow these steps:

  1. Log in to M&T Online Banking. If you don’t yet have an online banking account, you can enroll now
  2. Select your mortgage account from the Account Summary page
  3. Click the "View My Mortgage Info" button
  4. Click on the "Enroll in Autopay" option in the top right corner of the Payment Information box on your Dashboard. 

If you’d like an alternative automatic payment schedule, learn more about our Flexible Payment plans here.

Pay online using M&T Online Banking.

Enjoy the peace of mind knowing that you will get credit for your payment the same day it’s submitted, even though the funds aren’t deducted from your bank account for 24-48 hours. Plus, you can specify exactly how the money is applied.

You’ll need:

  • Your M&T Mortgage account number
  • Your bank routing number (if this is your first time paying online)
  • The bank account number from where you’d like the funds deducted to make your payment

Follow these steps:

  1. Log in to M&T Online Banking. If you don’t yet have an M&T online banking account, you can enroll now.
  2. Select your mortgage account from the Account Summary page
  3. Click the "Make a Payment" button and follow the prompts

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)

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

Automatic Payments

If you need more flexibility in your payment dates or schedule, choose an automatic payment option that works best for your budget.

Make Your Payment Once a Month

Set up your monthly mortgage payment within M&T Online Banking and choose any payment date within your grace period.

Make Multiple Payments per Month

Enroll in our Flexible Payment plan using the link below. If your chosen payment date(s) falls on a weekend or holiday, your payment will be applied the next business day. Please make sure your account has the available funds the day before your scheduled payment date. 

Please note that the starting draft date you select must allow for the full monthly payment to be collected by the end of the next grace period. As an example, if your payment is due on the 1st of the month and your grace period ends on the 15th of the month, your full mortgage payment for that month must be received by the 15th. 

Twice a Month (Semi-Monthly)

  • Break monthly payments into two half payments to be deducted on the dates you choose
  • Once the two halves make a full monthly payment, they will be applied to your account

Every Other Week (Bi-Weekly)

  • Break monthly payments into two half payments deducted every other week
  • Once the two halves make a full monthly payment, they will be applied to your account
  • This will result in extra principal payments - saving you interest and significantly reducing the length of time it will take to pay off your loan. 

Once a Week (Weekly)

  • Break monthly payments into four payments deducted each week
  • Once the four payments make a full monthly payment, they will be applied to your account
  • This will result in extra principal payments - saving you interest and significantly reducing the length of time it will take to pay off your loan. 

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.


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

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