Welcome to M&T Money Smart
M&T Money Smart™ lets you keep track of your finances through an easy-to-use dashboard where you can customize your budget, set goals, track spending and more.
Now Available
Estimate Your Net Worth
Learn how your everyday transactions affect the value of your assets with the ability to view M&T and non-M&T financial accounts in one place.
Watch your money grow as you prepare for retirement, save for college tuition expenses or plan your next big trip.
M&T Money Smart is a complimentary service.
Money Smart is available to current M&T customers with an M&T Online and Mobile Banking account. Simply log in to your account and select Money Smart for the services menu to enroll today. It's that simple.
Better financial management tools are here.
See what unique insights you can discover about your personal spending habits with this robust dashboard view of your finances.
Use the Cash Flow feature to see your daily spending power.
This tool allows you to view your predicted daily balance for the next month based on recurring deposits and payments like rent and paychecks.
All of your accounts in one place.
Combine non-M&T financial account(s) like Venmo, PayPal, Acorns, and other bank accounts with your M&T Account(s) to view them all in one location.
Plan your budget and track spending at-a-glance.
Create a budget and quickly see where every dollar is going, so you’re not caught off guard by an upcoming payment.
Forecast debt payoffs.
Pay off debt sooner than you thought was possible with debt forecasting assistance.
Set goals to prepare for a better future on your own time.
Create custom goals for your accounts so that you’re prepared for an emergency or that well-deserved trip.
Get enrolled today.
Take advantage of our new complimentary money management tool. Log in to Online Banking or our mobile app and select Money Smart from the Services menu.
Android™ OS version 4.0.3 and later. Apple iOS version 4.0 and later.
FAQs - Money Smart
How do I enroll in M&T Money Smart?
To enroll in M&T Money Smart, log in to Online or Mobile Banking and select M&T Money Smart from the Services menu. From here, you’ll be able to enroll, then launch the dashboard.
Is there a cost to enroll in M&T Money Smart?
No. There’s no charge for M&T customers to use or enroll in Money Smart. However, data charges may apply.
How do I add external accounts in M&T Money Smart?
To add external accounts in M&T Money Smart, you’ll need to have all of your external login information handy. Log in to Online or Mobile Banking, then select Menu > M&T Money Smart > Add an Account.
How can I categorize transactions?
When first getting started, most transactions will automatically be assigned a category. For those that aren’t categorized automatically or to change a category, select the individual transaction within the M&T Money Smart Transactions page, then select Category > Select a Category.
You can customize the categories according to your personal spending habits, including auto & transport, bills & utilities, entertainment, etc.
How do I make transfers between my M&T accounts or pay my M&T loans with the M&T Mobile Banking app?
You can schedule one time or recurring transfers between your M&T accounts or pay your M&T Loan by tapping on the Menu icon on the top left and selecting Schedule a Transfer under the Transfers menu. If you are paying your M&T Installment Loan from an External Account, go to your Installment Loan Account Details in the mobile app and select Pay Now. You will then have the option to Pay From An M&T Account or Pay From An External Account.