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
There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply to this 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
Security
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
Digital
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.
1,500+
ATMs
We’re focused on providing the services you need, when you need and where you need them
M&T's Easy
Save
Grow your savings by setting up automatic transfers from your checking to your savings account
M&T Money
Smart™
Understand and monitor your accounts in one place to customize what you spend and save
Disclosures:
- All loans and lines of credit and all terms referenced are subject to credit approval and other conditions. Other terms, conditions, fees and restrictions may apply.
- M&T BANK RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
- This information is for students attending participating degree-granting schools. M&T Bank Undergraduate Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
- M&T Bank Loans are funded by M&T Bank.
- Information advertised valid as of 05/01/2021.
- Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
- Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. M&T Bank reserves the right to approve a lower loan amount than the school-certified amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.
- Interest is charged throughout the life of the loan—beginning with disbursement, during school, through any grace/separation period, and ending when the loan is paid in full. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. Payments may be required during the grace/separation period depending on the repayment option selected. Variable rates may increase over the life of the loan.
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.