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 overdraft fees, may apply to this account.
Monthly Maintenance Charge
$0 / month
Account Features
- No Monthly Maintenance Charge
- Send Money with Zelle
- Get a Custom Debit Card
- M&T Online & Mobile Banking
- Mobile Deposit
- Digital Wallet payment capability with apps like Apple Pay®, Google Pay™, Samsung Pay and GarminTM
- M&T Alerts
Common Fees
Download our guide to learn more about M&T Personal Checking Accounts and Common Fees associated with this account.
There is no monthly maintenance charge, but other transaction and service fees, including overdraft fees, may apply to this account.
There is no monthly maintenance charge, but other transaction and service fees, including overdraft fees, may apply to this account.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers 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.
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
Compare Checking Accounts
Compare other M&T Checking accounts to see what account fits you best.
Other Standard Features
- Direct Deposit
- M&T's Easy Save
- FDIC-insured up to maximum limits
- Online and Mobile Bill Pay
- Access to 700 M&T branches and 1,800 ATMs
- 24-hour Automated Banking Service by phone
- Monthly statements – paper and electronic delivery options
- Overdraft Protection plan options – learn how you can change your election
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.
You must have enough funds or credit available in your linked account for the transfer to occur. Overdraft Line of Credit and M&T Visa Credit Card are subject to credit approval. Fees may apply for the use of overdraft protection services. See your line of credit, credit card, or deposit account agreement for complete details.
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 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. or Garmin Ltd.
Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.