Open a M&T Personal Checking account online today
Our personal checking account options gets you access to:
- Manage your money with the flexibility of Online & Mobile Banking
- Plan and access your spending with powerful digital banking tools
- Protect against unauthorized use of your debit card with Visa® Zero Liability{{d195*}} and more
Where do you live?
With over 900 branches, we have locations near your office or home. Some of the products we offer may vary between locations. Please enter your home zipcode.
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Choose the checking accounts that best fits your need
EZChoice
No Balance Requirements
Get the essentials you need with our most popular option.
Learn More >
Checking Account Features
- No monthly maintenance charge{{d832*}}
- No minimum balance requirement
- No minimum transaction requirement
Monthly Maintenance Charge
$0/month{{d832*}}
Waive the Monthly Maintenance Charge
No monthly maintenance charge to waive
MyWay Banking from M&T®
Great for Starting Out
A checkless account without the worry of overdraft fees.{{d1081*}}
Learn More >
Checking Account Features
- No overdraft fees{{d1081*}}
- Checkless account with M&T Debit Card
- No monthly maintenance charge with just one transaction{{d832*}}
Monthly Maintenance Charge
$4.95/month
Waive the Monthly Maintenance Charge
$0/month{{d832*}} with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment.
MyChoice Plus
Earned Interest & ATM rebates
Enjoy ATM surcharge rebates{{d1082*}}, {{d496*}} and the option to earn interest.{{d365*}}
Learn More >
Checking Account Features
- Interest-bearing option{{d365*}}
- Discounted Personal Loan rates{{d835*}}
- No fee at non-M&T ATMs{{d1083*}}
Monthly Maintenance Charge
$14.95/month
Waive the Monthly Maintenance Charge
$0/month{{d832*}} with an average daily balance of $2,500 or more per monthly service charge cycle OR
direct deposits totaling $1,500 or more per monthly service charge cycle.
MyChoice Premium
Premium Features & Benefits
Offering the most checking account perks available at M&T Bank.
Learn More >
Checking Account Features
- Special Deposit Interest Rates
- Free standard check orders{{d371*}}
- Discounted Personal Loan rates{{d835*}}
Monthly Maintenance Charge
$24.95/month
Waive the Monthly Maintenance Charge
$0/month{{d832*}} with an average daily balance of $7,500 or more per monthly service charge cycle OR
combined daily average balances of $25,000 or more in eligible accounts{{d52601*}}
Most Popular
- No monthly maintenance fee{{d832*}}
- No minimum balance requirement
- No minimum transaction requirement
Monthly Maintenance Charge
$0/month{{d832*}}
Waive the Monthly Maintenance Charge
No monthly maintenance charge to waive
Great for Starting Out
- No overdraft fees{{d1081*}}
- Checkless account with M&T Debit Card
- No monthly fee with just one transaction{{d832*}}
Monthly Maintenance Charge
$4.95/month
Waive the Monthly Maintenance Charge
$0/month{{d832*}} with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment.
Earned Interest & ATM Rebates
- Interest-bearing option{{d365*}}
- Discounted Personal Loan rates{{d835*}}
- No fee at non-M&T ATMs{{d1083*}}
Monthly Maintenance Charge
$14.95/month
Waive the Monthly Maintenance Charge
$0/month{{d832*}} with an average daily balance of $2,500 or more per monthly service charge cycle OR
direct deposits totaling $1,500 or more per monthly service charge cycle.
Premium Features & Benefits
- Special Deposit Interest Rates
- Free standard check orders{{d371*}}
- Discounted Personal Loan rates{{d835*}}
Monthly Maintenance Charge
$24.95/month
Compare and open a checking account online.
Each of our personal checking accounts have something different to offer. Compare our checking account benefits and features side by side to easily choose the one account that works best for you.
Access your account anytime, anywhere with Mobile and Online Banking
Get access to the tools you need to manage your finances through M&T Mobile and Online Banking, today.
Send money instantly
Use online bill pay{{d685*}} and Zelle®{{d5021*}} to make payments on the go.
Deposit checks from your phone
Deposit your checks with the ease of taking a picture{{d391*}} with Mobile Check Deposit
Get account alerts
Be the first to know in the event of unexpected activity or a low account balance.
Send money instantly
Use online bill pay{{d685*}} and Zelle®{{d5021*}} to make payments on the go.
Get account alerts
Be the first to know in the event of unexpected activity or a low account balance.
Deposit checks from your phone
Deposit your checks with the ease of taking a picture{{d391*}} with Mobile Check Deposit.
Features with every checking account.
Make managing - and spending - your money more convenient and secure.
Get cash when you need it.
Visit one of 900+ branches and 2,000 ATMs to access your money.
Customize your debit card.
Add personality to your purchases with custom card designs at no additional fee.{{d941*}}
Use contactless checkout.
Tap to pay is here. Add your card to your digital wallet and pay on the go.
Security is peace of mind.
We offer features to help keep your money safe and provide coverage in case something happens.
Stay up to date with M&T Alerts
Monitor your account with real-time updates such as low balance alerts or suspicious activity notifications.{{d221*}}, {{d1060*}}
Rest assured with M&T Assurance®
Get peace of mind when making purchases with your M&T Debit Card. M&T Assurance® gives you advanced fraud prevention, detection and resolution when you use your M&T Debit card.
Digital identity protection with AlwaysChecking.
All-in-one digital identity protection. Monitoring all your enrolled digital data, available at no additional charge with any M&T Personal Checking account.
Digital identity protection with EZShield
All-in-one digital identity protection. Options available with any M&T personal checking account to monitor all your enrolled digital data at an additional charge as low as $1.99/mo.{{d425*}}
Reliability you can count on.
For more than 165 years, M&T has strived to take an active role in our communities and create long-lasting relationships built on security and stability. We combine the capabilities of a large bank with the care of a locally focused institution.
- FDIC-insured up to $250,000
- Serving communities for over 165 years
- Over 900 branches and 2,000 ATMs nationwide
How to open your checking account online in less than 10 minutes.
Choose a checking account.
Select the checking options that matter most to you. Please know you must be 18 years or older to open any of our account options.
Apply online or in person.
If you need help, your local branch can offer support. Once an account has been created, you'll receive a confirmation email.
Start enjoying the benefits.
You'll have the option to enroll in online banking after confirming your account. Your M&T Debit/ATM card will arrive in 7-10 business days.
Top Checking Account FAQs, answered by our experts.
You must be at least 18 years old. Minors may open joint accounts with a parent or guardian by scheduling an appointment at your local branch for in-person support.
Yes! There are no fees to apply for a checking account online. Some accounts may waive monthly fees if you meet certain criteria. If you're not sure which checking account to start with, we can help you choose the right account.
Choose the checking account that best meet your needs, click “Open Now,” and complete the online application in minutes.
A valid U.S. ID (such as a driver's license, federal or state-issued photo ID card, passport or U.S. miltary card), your current residential address, and opening deposit.
All of our personal checking accounts require a minimum $25 opening deposit. Compare our personal checking accounts to better understand which account meets your needs and goals.
Overdraft protection provides coverage for your checking account when it doesn’t contain sufficient funds for a transaction. Funds are used from a linked account to prevent your checking account from being overdrawn. Learn more about overdraft protection options.
M&T Bank is proud to serve our clients through our local network of over 900 branches and 2,000 ATMs. To find your local branch hours on Saturday or Sunday, visit our Branch & ATM page.
