Student Banking

Whether you’re a student investing in your future or a parent helping teach financial responsibility, M&T can help jump-start the journey to financial independence.


Financial independence starts here

Manage Your Money

EZChoice Checking

NO monthly maintenance charge
NO minimum transaction requirements
NO minimum balance requirements

Even when no monthly maintenance charge applies, M&T checking, savings and money market accounts may be subject to other transaction and service fees, including overdraft fees, as noted in the Specific Features and Terms for each account and the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking and Savings Accounts, which are available on request at any M&T banking office or through M&T’s Contact Center. Overdraft fees will not be charged to a MyWay Banking account.
Build Your Credit

Secured Credit Card

Build your credit confidently, with a refundable security deposit equal to your credit limit starting at just $250

Invest In Your Future

Student Lending

M&T has loan options whether you are starting under-grad or continuing on to grad school

Master Personal Finance

Financial Education

Learn about budget hacks, preventing overdraft fees and more with our online education and money management tools


Help keep your money safe


✔️ Alerts Get timely balance, transaction and security updates sent right to your phone

✔️ M&T Assurance® Advanced fraud prevention and detection for debit and credit cards

✔️ EZShield Identity Protection® Help protect against identity theft with daily credit monitoring

EZShield Identity Protection for M&T Bank customers is a product offered and serviced by EZShield, Inc. through their arrangement with Deluxe Enterprise Operations LLC. M&T Bank is not legally affiliated with Deluxe Enterprise Operations LLC or EZShield, Inc.; and M&T Bank makes no representations or warranties as to their products, privacy policies or security policies. The product attributes and/or pricing may be different than other products offered by Deluxe Enterprise Operations LLC and/or EZShield, Inc. M&T Bank may receive compensation from Deluxe Enterprise Operations LLC and/or EZShield, Inc. regarding M&T customers who participate in this service.

Easy transfers & payments

Send money to family and friends with Zelle®⁵

Pay with a contactless and customizable card

Pay with a digital wallet from your phone

Convenient banking


Manage your accounts at home or on-the-go and deposit checks conveniently from your smartphone

Deposits are subject to verification. Funds from mobile check deposits will not be available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply.


We’re focused on providing the services you need, when you need and where you need them

M&T's Easy

Grow your savings by setting up automatic transfers from your checking to your savings account

M&T Money

Understand and monitor your accounts in one place to customize what you spend and save

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.
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.