MyChoice Premium Checking

Our best account with the most premium features and benefits, for those customers that want all the elite perks we have to offer.

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Monthly Maintenance Charge: $0 or $24.95

Monthly Maintenance Charge

(each monthly service charge cycle)

$0 / month

with an average daily balance of $7,500 or more per monthly service charge cycle or combined average daily balances of $25,000 or more in eligible accounts,

OR

$24.95 / 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

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.
Maintain combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments, and business deposit accounts.  For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through the Telephone Banking Center. Brokerage services and insurance products are offered by M&T Securities, Inc. (member of FINRA/SIPC), not by M&T Bank.
M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, DC. 
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.
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.
No fee for standard checks and 50% discount on other check styles.
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. 
Waiver of annual rental fee of $50 or less for one safe deposit box or 50% discount on the annual rental fee for one safe deposit box with a fee of more than $50 (up to a maximum discount of $200). Location of safe deposit boxes subject to availability.
 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 
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 a MyChoice Premium 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.

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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

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.