Features that make digital banking easy on you.

Simply deposits checks, transfer money and pay bills where and when it's most convenient for you.

Quick access to your accounts in one place.

Monitor from anywhere

Manage your accounts and payments in minutes

Pay your bills conveniently.

Send payments to almost anyone with bill pay.

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.

Deposit checks from your phone.

Make same business-day check deposits, and view deposited and cleared checks right within the app.

Business day is defined as Monday through Friday, except Federal holidays. 
Deposits are subject to verification. Funds from mobile check deposits will not be available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply.

Easily move money between accounts.

Transfer funds and make payments to eligible M&T accounts, loans and credit cards.

Send and receive money quickly.

Use Zelle to send and receive money from your M&T account to people you know and trust.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.


Take control of your financial goals.

Understand what you're saving and spending with the ability to track all of your M&T and non-M&T accounts in one place.

Your life is on the go and so is your bank

Hands-on banking

  • Easy access with fingerprint and FaceID login
  • Immediately access deposits with M&T Flash Funds
  • Get answers to your questions with top FAQs
If selected, your mobile deposit will be immediately available. The fee for this service is 2% of the total check amount ($2 minimum charge). The fee will be deducted from your account following the completion of your deposit. If the deposit is made during our nightly processing, it will not be available to pay debit items that are processed for payment during that night’s processing. However, it would be immediately available for withdrawal.
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.
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.
iPhone® is a registered trademark of Apple, Inc. registered in the U.S. and other countries. Android™ is a trademark of Google LLC. Use of these trademarks is subject to the respective owner's permission.
M&T Bank is not endorsed, sponsored, affiliated with or otherwise authorized by Apple Inc. or Google LLC.