Relationship Savings

Get closer to your savings goals by opening a Relationship Savings Account
that offers convenient options to access and monitor your account and makes
it easy to avoid monthly maintenance charges.{{d132*}}



This product is best for people who:

Are saving for a goal such as an emergency fund

Want to use this account to provide overdraft protection to a linked M&T checking account{{d351*}}

Enjoy the convenience of online and mobile account management

Top Features

Access anytime, anywhere

Access anytime, anywhere

Conveniently access and manage your account online or on your phone with M&T Online & Mobile Banking or at an M&T Bank branch or ATM​.

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Easily move money between accounts

Compatible with Direct Deposit and M&T's Easy Save​, a feature that allows automatic transfers between M&T accounts – so you can save more.

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Keep organized and stay up to date

Electronic statements to help keep you informed and in charge of your accounts.

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Overdraft protection 

Can be used to provide overdraft protection to a linked M&T checking account.{{d351*}}


Monthly Maintenance Charge

  • $7.50 for each monthly service charge cycle unless one of the requirements below is met.

Avoid the Monthly Maintenance Charge

  • Maintaining a minimum daily balance of $500 or more or have a personal checking  account with M&T Bank or by making at least one deposit in your Relationship Savings account during the monthly service charge cycle.{{d132*}}

Eligibility Requirements

  • Account can be opened by individuals only.

Interest Rates

Interest is compounded daily and paid monthly. This is a variable-rate account and the rate may change after the account is opened. 

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Balance Interest Rate Annual Percentage Yield (APY){{d1171*}}
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