EZChoice Checking

Find out why EZChoice Checking is our most popular checking account. With a $0 monthly maintenance fee, how can you go wrong?

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Monthly Maintenance Charge: $0

 There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply to this account.

Monthly Maintenance Charge

$0 / month

Account Features

Common Fees

Download our guide to learn more about M&T Personal Checking Accounts and Common Fees associated with this account.

Download Guide (PDF)

 There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply to this account.
 There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply to this account.
Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.
​Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. See full terms and conditions at mtb.com/customcard 
Deposits are subject to verification. Funds not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except Federal Holidays. 

Open an EZChoice Checking Account

What you’ll need to open this account:

$25 minimum opening balance

You must be at least 18 years of age

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Other Standard Features

M&T Online and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose.
Overdraft protection is available either through a link to an M&T Savings Account, M&T Visa® Credit Card or M&T Overdraft Line of Credit. Overdraft Line of Credit and M&T Visa Credit Card are subject to credit approval. Fees may apply to use for overdraft protection services. 
Offers may vary by region. 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.
Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. 
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
​Android, Google and Google Pay are trademarks of Google LLC.
M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, Samsung Electronics Co., Ltd., Fitbit Inc. or Garmin Ltd.
Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.