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



Enter for a chance to win $1,000 to pay for education expenses with the M&T Bank Scholarship Sweepstakes!

SWEEPSTAKES: NO PURCHASE, ACCOUNT OPENING, LOAN APPLICATION, DEPOSIT OR PAYMENT IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES, NOR WILL IT INCREASE YOUR CHANCE OF WINNING.  VOID WHERE PROHIBITED. Sweepstakes period is from 9:00 a.m. ET on May 17, 2021 through August 31, 2021 at 11:59:59 p.m. ET. You must be at least 18 years of age and be enrolled as a full-time or part-time (at least 6 hours) student at a post-secondary institution, including but not limited to junior colleges and vocational schools, during the 2021 calendar year. Only legal residents of CT, DC, DE, MD, NJ, NY, PA, VA, and WV are eligible. You may also enter by mailing a postcard with your first name, last name, full address, age, telephone number, email address (if any) and name and state of your post-secondary educational institution to: M&T Bank Scholarship Sweepstakes, P.O. Box 606, Owings Mills, MD  21117 (“Entry” or if plural, “Entries”). Mail-in entries must be received by the end of the Sweepstakes Period. Limit one Entry per person regardless of method. Additional restrictions may apply. 
Official Rules, including all eligibility requirements and restrictions, may be viewed here: M&T Bank Scholarship Sweepstakes Rules
Employees or contractors of Sponsor, MGH, Inc. (the “Administrator”), or their affiliates, advertising, promotion and fulfillment agencies (collectively, “Sweepstakes Entities”) and members of their immediate families or households are not eligible. Winners of any other M&T Bank contest or sweepstakes in the previous six-month period are ineligible.
SPONSOR: M&T Bank, One M&T Plaza, Buffalo, NY  14203-2399.
PRIVACY: Information collected from any entrant will be used only for statistical analysis and for purposes of the Sweepstakes (including, without limitation, the Prize drawings performed by the Administrator) and to notify and announce the Winners as set forth in these Official Rules.  Such information will not be reused, sold or shared in any other manner by Sponsor unless entrant has requested to receive additional information and promotional material from Sponsor (in which case, entrant can opt out of such communications at any time).  Sponsor’s privacy policy is available at  

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


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 full 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.