M&T Bank : Debit Cards
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M&T Debit Card. Safer than carrying cash. Faster than writing checks. No purchase is too small. Request cardImage of various M&T debit cards

An M&T Debit Card comes with any M&T checking account and because of new chip technology, it's a more secure and convenient way to pay.

Cardholder Benefits

An M&T Debit Card is safer than carrying and using cash. Use it to help prevent:

  • Loss - unlike your debit card, lost or stolen cash cannot be replaced
  • Fraud - an encrypted microchip helps protect you when used at a chip-enabled terminal
  • Liability - reimbursement for unauthorized purchases with Visa’s Zero Liability Policy1

An M&T Debit Card gives you easy access to your money. Use it for:

  • Payments for everyday purchases, services and bills
  • Withdrawals at ATMs or to get cash back at the register
  • Transfers between linked M&T accounts
  • Quick online shopping with Visa Checkout
  • Paying for purchases conveniently with Android PayTM with your supported Android device2 or with Apple Pay® with your iPhone® 6 or 6 Plus.3

An M&T Debit Card is more personal than cash – use it to show your style when you enhance it with the picture or design of your choice.4

Custom Card Templates:

  • Custom Background – Upload a photo, or choose one from our image gallery to showcase on the background of your card
  • Identify Yourself – Upload a photo of yourself in the upper right hand corner of your card for a personal touch

Manage Your Card Preferences:

Need Help?

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Android and Android Pay are trademarks of Google Inc.

1 Visa’s Zero Liability Policy covers U.S.-issued cards only, and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any fraudulent use. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit. See your cardholder agreement for more details.

2 Android Pay is available for any NFC- and HCE-enabled Android device running KitKat 4.4+. Android Pay may store your card information in your Google Payments Account and on Google Payment Corp. (GPC) servers, for purchases on Google Play and elsewhere. This could occur even if the process of adding your card to Android Pay is not successful. Android Pay and its various features may only be available for use in certain regions and with certain merchants which are subject to change at any time.

3 Visa will process transactions similar to how they process your physical card transactions today except most merchants won’t have access to your actual card number; they will receive the unique virtual card number associated with your M&T credit or debit card.

4 Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. A $2.95 image set-up fee for each newly approved custom card design may apply. One fee will be charged per approved custom design. Replacement cards will not incur this fee if the custom design remains unchanged. The “Identify Yourself” card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.

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 see an M&T branch representative for full details.

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