Your bank is always open with M&T Mobile and Online Banking.

The convenience and comfort of community banking from anywhere — at any time.


Get your account info faster and help keep your information private with eStatements.
Storage for electronic statements if accessed via M&T Online Banking: up to 7 years for checking, savings, CDs, credit cards, installment loans, lines of credit, mortgages and home equity accounts. For most accounts, by enrolling in M&T's online statements and notices, you will no longer receive paper statements. You may, however, switch back to paper at any time. 

Help maintain security

Keep account info and personal details out of the mail.

Get info faster

Receive statements as soon as they are available. 

Save your space

Download what you need and cut back on your paper usage. 

Be in the know

Access your account and monitor activity in one place.



Manage your money from the palm of your hand.

Send & receive money

Deposit checks on the go

Available on Android and iOS

Monitor your spending habits

mobile check deposit

Deposit checks whenever, wherever

Enjoy same business-day check deposits until 10pm ET or immediate availability, for a fee, with M&T Flash Funds™.

Deposits are subject to verification. Funds 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. 
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.


Pay people you know and trust quickly, with Zelle®.
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.

  • Pay friends, family or service providers like a sitter or plumber, with accounts at other banks.
  • Get money where it needs to go faster with funds available to the person you are paying.
  • Save time and money. There are no customer fees associated with using Zelle to pay people.
  • Worry less when you transfer money from your bank app as opposed to a third-party vendor.

Always Open

Bank from anywhere, anytime with Online or Mobile Banking


Sign up for M&T Alerts and take charge of your account security and money management.
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.

Maintain your balance, receive updates on deposits and monitor transactions.

Be the first to know about suspicious withdrawals and activity.

Have the option to validate or stop unapproved account activity.

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.

Prevent overdraft by knowing when your account becomes low.


Worry less. Live more.

Spend your time — and your money — wisely with M&T 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.
  • Pay bills on time and avoid late fees.
  • Keep sensitive info out of the mail.
  • Schedule payments based on your pay cycle.
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.


Spend and save with confidence

Reach your goals with M&T Money Smart™

  • Understand your spending habits to better save for what's ahead.
  • Prepare for larger or unexpected purchases like vacations or emergencies. 
  • Create and stay on budget based on the impact of everyday transactions.

Got questions? We're here to help?

Yes. Enrollment is simple in the mobile banking app by following the Enroll link. It will be the same experience as enrolling through Online Banking.

Enroll Now >

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.
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.