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.