Mobile & Online Banking FAQs

Have questions about M&T Online Banking and Mobile Banking? We’re here to help.

M&T Cards

How do I add an authorized user to my credit card?
Log in to the M&T Mobile App for  AppleTM or AndroidTM.  Select  Card Services from the menu. Select  Add Authorized User to Credit Card.

How do I lock or unlock my M&T card?
To temporarily lock your M&T Credit or Debit Card:
  • Log into Online Banking and select Temporarily Lock/Unlock a Card from the Services Menu.
  • Log into the M&T Mobile App, select Card Services from the Menu, and select Temporarily Lock/Unlock a Card.
When you’re ready, you can unlock your card from the same menu to begin using it again right away.

I cannot access Online or Mobile Banking, how can I unlock my card?
If you are unable to access Online or Mobile Banking and need to unlock your card, please call M&T Customer Service at 1-800-724-2440 for assistance.

I cannot access Online or Mobile Banking, how can I lock my card?
Locking your card is only available through Online or Mobile Banking. If you need to report your card as lost or stolen you can Log into Online Banking or call M&T Customer Service at 1-800-724-1552, 24 hours a day, 7 days a week or visit your local branch for assistance.

When should I lock my card vs. reporting my card lost or stolen? 
Locking your card is not a replacement for reporting your card as lost or stolen. If you’ve misplaced your card but think you may find it later, lock it temporarily in M&T Online Banking or the mobile app – to stop it from being used for new purchases.  When your card is located – unlock your account and begin using it again.

If you’ve experienced fraud on your card, have had your card stolen, or have permanently lost it
– log into online banking to report your card lost or stolen and we’ll issue you a new one right away.

How do I order a replacement card? 
To request a new card, such as when your card is damaged or no longer works, you can:
  • Log in to Online Banking and select Order a Replacement Card from the Services Menu (personal banking customers)
  • Log in to the M&T Mobile App, select Card Services from the Menu, and select Order a Replacement Card (personal banking customers)
  • Call 1-800-724-2440 (personal banking customers), 1-866-279-0888 (credit card customers) or 1-800-724-6070 (business banking customers)
Need additional help? Make an Appointment

If you replace your debit card, you will receive a new card with the same account number, but different expiration and CVV2 (3 three-digit code on the back of your card).

If you replace your credit card the replacement card will have the same expiration and CVV2.

Can transactions still be made after I lock my card? 
Locking your M&T credit or debit card means that all new card charges and ATM transactions will be blocked. Recurring payments (e.g. online subscriptions) on credit cards will be blocked, and you will have the option to block or allow recurring payments on your debit card. However, the following will continue to be allowed (if applicable):
  • Payments to your Credit Card
  • Credits (including purchase returns)
  • Dispute adjustments
  • Balance transfers
  • M&T fees
  • Pending transactions
  • Interest charges
  • Overdraft transfers to your checking account
  • Rewards redemptions
When you’re ready, you can unlock your card at any time and begin using it again right away.

Will I still receive alerts on a locked card? 
Yes, you will continue to receive approved and declined transaction Alerts you have enrolled in, while your card is locked.

Once I unlock my card, how quickly can I begin using it? 
After unlocking your card, you may begin using it right away.

How often can I lock or unlock my card? How often can I lock or unlock my card?  
There is no limit to the number of times you may lock or unlock your card.

Will locking or unlocking my card affect my credit score?
No, locking or unlocking your Credit Card has no effect on your credit score.

How do I report a lost or stolen card?
To report a lost or stolen card, 24 hours a day, 7 days a week, you can:
  • Log in to Online Banking and select Report a Lost or Stolen Card from the Services Menu (personal banking customers)
  • Log in to the M&T Mobile App, select Card Services from the Menu, and select Report a Lost or Stolen Card (personal banking customers)
  • Call 1-800-724-1552
  • Visit your local branch
We’ll disable your old card to help prevent any further activity or usage and then issue you a new one right away. And because you bank with M&T, you won’t be liable for any fraudulent charges, thanks to our M&T Assurance® program.

What does it mean if my card says ‘Disabled’ when I go to lock or unlock it?
To ensure the highest amount of security, we are taking extra precautions with your card. Please give us a call at 1-855-355-2961 for further assistance with your card.

How do I transfer an existing balance to my M&T Card?
Three ways to transfer an existing balance to your M&T Card:
  • Log in to Online Banking - click “Payments and Transfers” tab and select “Credit Card Balance Transfer” and follow the instructions
  • Call 1-866-279-0888
  • Visit your local branch

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Look for a lock next to our web address and "https" at the beginning of our web address to indicate secure pages displaying your sensitive customer information. 

Personal Information

M&T Bank never requests your personal information through email, U.S. mail or phone unless you initate contact or we are completing an application for you.


M&T Bank will never send you an email requesting your credentials or personal information. If you receive this type of email, please forward to

Deposits are subject to verification. Funds from remote check and mobile check deposits do not follow the normal funds availability schedule. Funds from mobile check deposits are 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.
You will continue to receive notifications related to your M&T Online Banking activity, including failed scheduled bill payments and passcode changes, to your email address provided in M&T Online 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 for Business. View the M&T Digital Services Agreement for additional 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.
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.
We will cover up to $50 in late fees if a payment using M&T Online Bill Pay is late and you (i) scheduled the payment sufficiently in advance of the payment due date to allow for the payment to be processed and sent by us, and (ii) the date you selected as the Delivery Date was no later than the date your payment was due, excluding any applicable grace periods. Further, your payment must be scheduled according to the requirements set forth in the M&T Digital Services Agreement, and you must have sufficient available funds in your account. In the event your payee does not receive payment on time and charges you a late fee, contact Online Banking Support at 1-800-790-9130. We reserve the right to discontinue the Bill Pay Guarantee at our discretion at any time.
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.
  ​M&T Bank’s Cash Vault services are provided subject to M&T Bank’s standard Treasury Management Services Product Terms and Conditions Booklet for the provision of Cash Vault services. All products and services are subject to eligibility and restrictions may apply.