M&T Bank : Custom Add-ons
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Create a custom checking account by choosing checking account features that matter most to you.Images of people

Create a custom checking account by choosing the Custom Add-on* features that matter most to you. Start with an M&T checking account; then for a monthly subscription fee, add-on up to five checking account features that meet your individual needs. Whether you’re interested in Savings on ATM fees or checking account overdraft protection transfers, select the checking account features that fit your banking style.

Looking for Custom Add-ons at no monthly subscription fee? MyChoice Premium Checking and MyChoice Plus Checking customers qualify for a certain number of Custom Add-ons with no subscription fee.*

M&T Custom Add-Ons (Click on each option below to learn more):

 

    • No M&T Fee at Other Banks’ ATMs
    • Refund of Other Banks’ ATM Fee**
    • No Fee for Overdraft Protection Transfers***
    • Standard Checks & Safe Deposit Box****
    • Credit Score*****
Enroll in Custom Add-ons today.
Ready to add custom checking account features to your account? Start by opening your checking account.  Stop by a local branch, call 1-800-724-3222 or open an account now online. If you open a checking account online, you can enroll in your Custom Add-ons after you’ve gone through the account opening process and arrive at the confirmation page.

* Custom Add-ons (except benefits relating to safe deposit boxes and Credit Score) will apply only to the associated personal checking account, and you will need the appropriate services and accounts to take advantage of the Custom Add-ons. For example, you will need an M&T ATM Card or M&T Debit Card for Custom Add-ons relating to ATM fees, and you will need to take additional steps to enroll in Credit Score, order checks, open and link an overdraft protection account and open a safe deposit box. Any fee for the Custom Add-ons chosen will be charged beginning on the last day of each monthly service charge cycle for your account, regardless of whether you take advantage of the Custom Add-on in a given month. Employees of M&T Bank and its affiliates receive Credit Score at no charge when linked to the M&T checking account into which the employee’s pay is directly deposited. MyChoice Plus Checking and MyChoice Plus Checking With Interest accounts qualify for 2 Custom Add-ons at no monthly subscription fee. MyChoice Premium Checking accounts qualify for 4 Custom Add-ons at no monthly subscription fee. These customers can enroll in additional Custom Add-ons for the subscription fees shown above.

** Enrollment in this Custom Add-on requires enrollment in the No M&T Fee at Other Banks’ ATMs Custom Add-on as well.

*** Enrollment in this Custom Add-on requires an open and linked overdraft protection account. If you enroll in Overdraft Protection with your M&T Visa® Credit Card, or have a linked overdraft line of credit, your overdraft transfers will accrue interest at the applicable APR stated in your credit card or line of credit agreement. Please refer to your credit card or line of credit agreement for additional details.

For new overdraft protection accounts linked to an M&T Visa® Credit Card or an overdraft line of credit, which are subject to credit approval, the rates and fees as of 6/30/14 are as follows:

Credit card: 0% Introductory APR on balance transfers for the first 12 billing cycles. After 12 billing cycles, your rate for balance transfers will be the same as your purchase rate, and will vary with the market based on the Prime Rate. As of 6/30/14, the Annual Percentage Rate for purchases and balance transfers was between 10.24% and17.24% for M&T Visa® Credit Cards, between 11.24% and 18.24% for M&T Visa® Credit Card with Rewards and between 14.24% and 18.24% for M&T Visa® Signature Credit Cards, depending on creditworthiness. Your rate for cash advances will be 22.24% and will vary with the market based on the Prime Rate. Your rate for overdraft advances will be 22.24% and will vary with the market based on the Prime Rate. A fee of 4% ($10 minimum) of the amount of each balance transfer will apply. A fee of 3% ($10 minimum) of each cash advance transaction will apply. A fee of $12.50 per day will apply to any overdraft transfers to a linked checking account (waived if one of your selected Custom Add-ons). A fee of 3% of each foreign transaction converted into U.S. dollars will apply (except for M&T Visa® Signature Credit Cards). For any introductory balance transfer offer, the offer period begins at account opening.

Overdraft Line of Credit: 18% APR. A fee for using a credit line check of 2% of each transaction (minimum $2, maximum $20) will apply. A fee of $12.50 will apply to each transfer made by telephone or through Web banking. A fee of $12.50 per day will apply to any overdraft transfers to a linked checking account (waived if one of your selected Custom Add-ons).

**** Due to the nature of this benefit, enrollment in this Custom Add-on cannot be canceled for 12 months. Location of safe deposit boxes subject to availability.

***** Your FICO® Credit Score will only be updated once a month. Please keep in mind it can change more frequently. The standard monthly subscription fee is $2.99 per user. The monthly fee will not be charged until you complete your enrollment. When your enrollment is complete, you will be charged beginning on the last day of each monthly service charge cycle for your account. You may cancel at any time; however, we do not provide partial or prorated refunds. Your price may be lower depending on your checking account type and your Custom Add-on selections. The FICO Credit Score is a proprietary credit model designed by Fair Isaac calculated using the information contained in your Equifax Credit File. The FICO Credit Score is intended solely for your educational use. There are numerous credit scores and models available in the marketplace and lenders and other credit score users, including M&T Bank, are likely to use a different score when evaluating your creditworthiness. FICO Credit Score and Key Factors affecting your score are provided by Equifax®. View the M&T Online Banking Agreement for full details. FICO is a registered trademark of the Fair Isaac Corporation. Equifax is a registered trademark of Equifax Inc. ©2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

To determine which Custom Add-ons may be right for you, please consider the standard cost of the service covered by the Custom Add-on as well as how often you expect to use that service compared to the cost, if any, of the Custom Add-on in your particular situation.

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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