About M&T Debit Cards

Need a card that allows you to easily access and keep track of your money? You’ll get all that and more with any M&T Debit Card you choose.


M&T Debit Card Features

An M&T Debit Card comes with any M&T Checking Account and, because of chip and contactless technology, it's a faster and more secure way to pay. Whether you choose our standard M&T Debit Card, customize a card with your own image, or opt to show your fan support with a Buffalo Bills or Baltimore Ravens card, you can count on the following features:

  • Use your card in person, online, in-app or by phone – anywhere debit cards are accepted
  • With contactless technology, tap to pay for a faster, more secure checkout
  • Added protection by multiple security programs
  • Security alerts delivered via text message with ability to respond quickly, as well as automatic email alerts when potentially suspicious activity occurs or your PIN is changed4
  • Make electronic bill payments
  • Track purchases and make transfers with M&T Online and Mobile Banking
  • Get cash, make deposits and more at M&T Bank ATMs
  • Access linked M&T accounts (up to 4 checking, 4 savings and 2 lines of credit)
  • Customize your own card design at no cost
  • Checkout is quick and easy when you enroll your card in your Digital Wallet and/or Click To Pay

Choose the M&T Debit Card that fits you.

Whether you want to sport your Bills or Ravens pride or show off what else is important to you, you can customize your card’s background by choosing an image from our library or uploading one of your own. If you’d rather keep things simple, you can always opt for our standard M&T Debit Card.

No matter which option you choose, you’ll be getting a card that allows you to access your funds in person, online and over the phone to avoid paying with cash or checks.

Learn How to Customize a Card ›


Transaction and other fees may apply. See your Electronic Banking Card and Telephone Transaction Disclosure and Agreement for details.

Have questions?

Get answers with our Debit Card F A Qs.

Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.
The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit. See your cardholder agreement for more details.
​Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier’s text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking for Business. View the M&T Digital Services Agreement for additional details.
Visa and Visa Checkout are registered trademarks owned by Visa International Service Association and used under license. M&T Bank is not responsible for services provided by Visa Checkout.
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.