MyChoice Plus Checking

Get a premier account without the premier price. Enjoy ATM surcharge rebates from non-M&T ATMs all while earning interest.

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Monthly Maintenance Charge: $0 or $14.95

Monthly Maintenance Charge: $0 or $4.95

Monthly Maintenance Charge,

(each monthly service charge cycle)

$0 / month

With an average daily balance of $2,500 or more or direct deposits totaling $1,500 or more per monthly service charge cycle

With an average daily balance of $500 or more or direct deposits totaling $500 or more per monthly service charge cycle

OR

$14.95 / month

$4.95 / month

Monthly Maintenance Charge if requirements not met

Common Fees

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

Download Guide (PDF)

Account Features

Fees and account features will vary by region.
Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking/Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking/Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking/Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.
M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, DC. 
Fees and account features will vary by region.
M&T will reimburse the checking account (up to $2 per transaction) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, DC.
MyChoice Plus Checking is available with or without interest. 
 Loans are subject to credit approval and certain restrictions may apply.
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.
​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 
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. View the M&T Digital Services Agreement for additional 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. View the M&T Digital Services Agreement for additional details.

Open a MyChoice Plus 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.

View All Checking Accounts

 

Account Interest Rates

Interest is compounded daily and paid monthly.

The interest rates and Annual Percentage Yields (APYs) shown are the current rates for new accounts only and the rates may change at any time. This is a variable-rate account and the rate may change after the account is opened. All interest rates by balance amounts and APYs stated are accurate as of today's date. Fees could reduce earnings on the account. 

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Other Standard Features

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.
​Android, Google and Google Pay are trademarks of Google LLC.
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. 
Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.
Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
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.