M&T Digital Services Agreement: Change-In-Terms

The following is a change-in-terms for the M&T Digital Services Agreement.

The Digital Services Agreement ("Agreement"), which governs your use of M&T Digital Services, including M&T Mobile and Online Banking, has been updated.

Please see the summary of changes below. Please read the entire Agreement carefully and review the updated Digital Services Agreement as the summary does not cover all changes in detail.

Summary of Changes: 

Section C.4. (Bank to Bank Transfers (Personal Accounts) Types and Limitations on Transfers): This section was updated to clarify that a recurring transfer series, when available, is limited to one lasting no more than one year.

Section H. (Zelle® Service (Personal Accounts)): This section was updated to:

  • remove effective dating for the limit calculation change,
  • add language for Content Standards about content provided by users,
  • clarify landlines, Google Voice and VOIP phones are not eligible for Zelle,
  • add language which states if you are inactive within the Zelle service, we may inactivate your payment profile(s).  To send or receive money with the Zelle Service you will need to register with an email address or U.S. mobile phone number again.
  • explain the Z logo which may appear on profile pictures,
  • explain that payments from businesses or government agencies will be delivered in accordance with both your agreement and the procedures of the business or government agency,
  • clarify that you may only cancel a payment if the person to whom you sent a payment is not enrolled in Zelle,
  • clarify that payment requests sent to contacts that have not yet registered with Zelle can be sent via email.

Section K.5. (Limitations on M&T Money Smart®): This section was updated to clarify that an eligible M&T personal account (Checking or Savings) is required to use M&T Money Smart.  Additionally, not all M&T accounts may appear as visible within M&T Money Smart.

Section M.14. (Limitations on Future Dated Transactions): This section was added to explain that when scheduling a Transfer Instruction or Payment Instruction, the selected processing date must be within the next 365 calendar days.

Section M.25. (Administrator and Authorized User (Business Accounts)): This section was updated to explain the terms that govern when a Business Administrator may combine multiple business accounts owned by different business entities to a single M&T Online Banking for Business account profile.  This language incorporates the Combined Access Rider into the Digital Services Agreement.

Section N. (Digital Services Fee Schedule): This section was reorganized to structure the information presented. Fee content in other sections was consolidated into the table in this section. The terms and conditions for all fees remain the same.

Your continued use of M&T Digital Services confirms your agreement and the agreement of any Customer you represent with these changes, so no further action is required at this time. If you choose to not accept these changes, please contact us to unenroll. 

To see the M&T Digital Services Agreement, please click on the following link: M&T Digital Services Agreement. If you have questions or wish to unenroll, please call 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).



Terms and conditions of M&T Bank's Bank to Bank Transfers service, including transfer limits and other restrictions, apply as described in the M&T Digital Services Agreement.

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.

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. View the M&T Digital Services Agreement at mtb.com/DSA for additional details.

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 full details.