M&T Checking Accounts

You must be 18 years or older and a U.S. Citizen to apply. You can open a checking account in less than 10 minutes.  Select the checking options that matter most to you and decide if you'd like to apply online or in branch. You can apply online for any checking account type above on this page or schedule an appointment with your local branch for in-person support. Once a checking account has been created, you'll receive a confirmation email and will have the option to enroll in online banking. 

Yes, absolutely! You can open an checking account in less than 10 minutes online. Simply compare checking account types to determine which one best aligns with your individual needs and financial goals then complete the online application by selecting an account above on this page.

​To open an individual account in your name only, you will need (1) a valid U.S. driver's license or U.S. non-driver’s ID and (2) a valid U.S. Social Security number and you must be at least 18 years of age. If you are applying for a joint account, (1) the primary applicant must be at least 18 years of age and the co-applicant must be 16 years of age or older and (2) both joint applicants must have a valid U.S. driver's license or U.S. non-driver’s ID and a valid U.S. Social Security number. You will be required to provide this information, along with a U.S mailing address. If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, you will not be able to open an account online.

After you have completed the application, a confirmation e-mail will be sent to the email address you provided during the application process. You will also need to print, sign and return your signature card to M&T. If you have decided to mail a paper check to M&T for your opening deposit, you must mail your check, along with your signed signature card, to the M&T address provided on the signature card. Your M&T Debit/ATM card will arrive by mail within 7-10 business days. The card must be activated by phone or M&T ATM with your PIN before using.

Overdraft protection provides coverage for your checking account when it doesn’t contain sufficient funds for a transaction. Funds are used from a linked account to prevent your checking account from being overdrawn. Learn more about overdraft protection options.

No, not all checking accounts have minium balance requirements. However, you may receive additional benefits for maintaining specified average balances in your checking account, depending on the account type you choose. All checking accounts require a minimum $25 opening deposit. Compare checking accounts to better understand which one best aligns with your individual needs and goals.

Yes! Both online banking and M&T Bank's mobile banking app are great ways to help manage your accounts while on the go. You can enroll at no cost, and they come with additional beneifits and conveniences such as transaction alerts, Zelle, and Bill Pay to name a few.