Switching to an M&T Checking Account

Transitioning to M&T Bank? Use our helpful tips to make switching bank accounts less stressful.

Make the move to M&T in four easy steps.

M&T Bank is dedicated to meeting your personal checking needs, starting from day one. We know moving to a new bank can be inconvenient, so here are some simple tips and resources to help simplify the switch.

Let us help you get started.

​1. Open a new M​​&T checking account.

Start enjoying the benefits of an M&T Bank personal checking account today, including banking online. Open a new account with us, and then we'll help you through the process of switching from your old account.

View Options and Open an Account > ​​

2. Add direct deposit to your M&T account.

To save yourself a trip to the bank or ATM to deposit your paycheck, sign up for payroll direct deposit with your employer (if available). We offer the following authorization form as a convenience.

Direct Deposit Authorization Form (PDF) >

For Social Security direct deposit, enroll at Go Direct or call the Social Security Administration at 1-800-772-1213. Be sure to have your new M&T account information with you when you call. ​

3. Remember to change your automatic payments.

If you currently make any regular payments using automatic transfers from your old checking account, don't forget to inform each company that your bank has changed to M&T. Fill out our authorization form and either email or mail a copy of it to each company.

Authorization to Change Automatic Payments Form (PDF) >

​​Learn more about M&T payment ​​options.

In addition to automatic account transfers to the payee, with your M&T personal checking account you also have the option of making one-time or regular payments using M&T Online Bill Pay, your M&T Debit Card or paper checks. ​​

4. Use the transfer checklist.

We've created a handy checklist to help you keep track of automatic payments you've authorized third parties to make from your new M&T account.

Automatic Payments Transfer Checklist (PDF) >

Do you use M&T Online Bill Pay?

The checklist also includes a helpful reference chart that explains the timing for online bill payment processing.

Do you use M&T Online Bill Pay? The checklist also includes a helpful reference chart that explains the timing for online bill payment processing.

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.