How to Pay your M&T Loan, Line or Credit Card

Choose the most convenient way to make your payment.

Personal Loans and Lines of Credit

You can pay Personal Loans (Secured and Unsecured), Overdraft Lines of Credit, Home Equity Lines of Credit, or Installment Loans (Auto, Boat, RV) in the following ways:

Online. Enroll in Online Banking and set up recurring transfers from your M&T checking or savings account.  If you have an Installment Loan, you can even make one-time payments from a non-M&T checking or savings account.

By Phone. Call 1-800-724-2440 to speak to a representative or use our automated payment assistance system.

In Person. Find an M&T branch to set up one time or recurring payments. 

By Mail. Mail payments to M&T Bank at these addresses:

Unsecured & Secured Personal Loans

Regular Monthly: PO Box 64679 Baltimore, MD 21264-4679

Overnight Monthly & Account Payoff: Box 69003, 1800 Washington Blvd, 8th floor, Baltimore MD 21230

Overdraft Line of Credit & Home Equity Line of Credit

Regular Monthly: PO Box 62146, Baltimore MD 21264-2146

Overnight Monthly & Account Payoff: 499 Mitchell Street, Millsboro DE 19966

Installment Loans

Regular Monthly: PO Box 64679, Baltimore, MD 21264-4679

Overnight Monthly & Account Payoff: Box 69003, 1800 Washington Blvd, 8th floor, Baltimore MD 21230

Personal Credit Cards

You can make credit card payments in the following ways:

Online. Enroll in Online Banking and make transfers from your M&T checking or savings account.

By Phone. Call 1-866-279-0888 to make a payment or set up recurring payments.

Note: For Secured Credit Cards, we can only accept transfers
from an M&T account over the phone, at this time.

In Person or at an ATM. Find an M&T branch or ATM to make a payment or set up recurring payments. 

By Mail. Mail payments to:

M&T Bank
Credit Card Payment Processing
PO Box 62014
Baltimore, MD 21264-2014

Resources

Credit Scores and Reports

Learn how credit scores are measured and how it could impact your financial goals. 

Read More >

Manage Your Cards

Take charge of your card with M&T's self-service tools. With our built in security features, it’s the convenient way to stay in control and help keep your card account secure.

Learn More >

M&T Mobile Banking

With convenience at your fingertips, you can check balances, deposit checks, review and search for transactions, search for ATMs and branches and send payments.

Learn More >

Repayment Assistance Options

If you’re experiencing hardship, there are many ways we might be able to help provide assistance.

Learn More >

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.