M&T Bank : Advanced Checking
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Advanced Business Checking

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M&T Advanced Business Checking1 is a business checking account that grows and changes with your business. Unique to M&T Advanced Business Checking, the number of allowable transaction items and amount of currency deposited or supplied adjust as your Average Collected Balance changes.

Our Advanced Business Checking account includes the following features:

  • No monthly maintenance fee2 when you maintain an Average Collected Balance of more than $10,000 per statement cycle; otherwise the monthly maintenance fee is $20.00.
  • Tiered average monthly balances provide additional included transaction items and currency deposited or supplied allowances.
      • An Average Collected Balance of less than $10,000 - first 250 transaction items3 per month and $10,000 currency deposited or supplied per month included
      • An Average Collected Balance of more than $10,000 - first 500 transaction items3 per month and $20,000 currency deposited or supplied per month included
  • Overdraft protection available
  • ATM, Telephone and Online access
  • M&T Business Debit Card with chip technology

To learn more, please stop by an M&T Bank branch or call the M&T Business Telephone Banking Center at 1-800-724-6070. Representatives are available Monday through Friday 7am-7pm and Saturday 9am-5pm ET.

      1 All M&T checking accounts are subject to M&T standard account agreements.

      2 There is no monthly maintenance fee if requirements are met, but other transaction and service
      fees, including insufficient funds and overdraft fees, may apply.

      3 Transaction items are checks paid, checks deposited, deposit tickets (whether physical or created
      virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH
      credit and ACH debits.

      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.

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