M&T Debit Card

The M&T Debit Card helps make purchases faster and more convenient– whether it’s online, in person or on the phone.

New to M&T? Start by exploring our Checking Account options. Already banking with M&T? Learn how to activate your M&T Debit Card below.

Our Top M&T Debit Card Features and Services

Make purchases with ease anywhere debit or Visa cards are accepted.

Tap to Pay Technology

Globally accepted chip and contactless technology.

Digital Wallet App

Add your M&T card(s) for fast, easy checkout, online or in-store.

Visa will process transactions similar to how they process your physical card transactions today except rather than receiving your actual card number, merchants will receive the unique virtual card number associated with your M&T credit, debit or Commercial card. M&T Commercial Cards are not eligible for use with Fitbit Pay or Garmin Pay.

Custom Card Designs

Personalize your card with your own or one of our images—at no cost.

Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.

Keeping your information more secure.

Get added protection with multiple security programs and real-time alerts.
The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. See your cardholder agreement for more details.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking. Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply.

Make it Personal

Customize your M&T Debit Card

Use your own image or choose one from our online design studio to create a unique card at no extra cost.

Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.

Access the information you need with the quick links below.

How do I activate my new debit card?

When you receive your card in the mail, simply call the number shown on the sticker on the front of your card or activate it at an ATM. Once the card is activated, remove the sticker and sign the signature panel on the back of the card.

For your personal security, your M&T Debit Card does have limits. While these limits should not affect your average use of the card, there are cash withdrawal and purchase limits in place to prevent excessive usage if an unauthorized individual were to use your card. Please refer to the Electronic Banking Card and Telephone Transaction Disclosure and Agreement you received with your card for more information regarding these limits.​

Added benefit: if we notice that your card is being used more frequently than normal, we may request to speak to you at the time you are making a purchase, or we may call you to ensure that your card is not being used fraudulently.​

If you have a damaged card, and would like to get a replacement, you can:

  • Log in to Online Banking and select Order a Replacement Card from the Services Menu
  • Log in to the M&T Mobile App, select Card Services from the Menu, and select Order a Replacement Card
  • Call 1-800-724-2440
  • Visit your local branch​

When you make a purchase with an M&T Debit Card, the money is taken out of your linked M&T checking account. Follow the prompts on the terminal to complete your transaction. You may be asked to enter your PIN or sign for your purchase. Either way, you will not be charged a fee for purchases in the U.S.

M&T does not charge fees for using your M&T Debit Card for purchases in the U.S.; however, fees will apply if you use your card outside the U.S., including online purchases with a merchant located outside of the U.S. You must have sufficient funds available in your account. In addition, other fees, including overdraft fees may apply to your deposit account or linked overdraft line of credit, or credit card account, according to the terms of your account.

Use your M&T Debit Card​​ at millions of locations worldwide, at your favorite online merchant, over the phone and for in-app purchases.​

Move and manage your money online or on-the-go.

We want banking with us to be easy on you.

Access your accounts—anywhere.

Track purchases and transfer money with Online & Mobile Banking.
​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.

Bank at your convenience.

Access your accounts at more than 2,000 M&T ATMs.

Cover your bills.

Use your card to pay for utilities, cable and other monthly expenses.
Visa and Visa Checkout are registered trademarks owned by Visa International Service Association and used under license. M&T Bank is not responsible for services provided by Visa Checkout.
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.