EZChoice Checking Account

Get the essentials and flexibility you need to access your money with all the features and security you can count on from M&T.


No monthly maintenance fee{{d131*}}


No minimum balance requirement{{d131*}}


No minimum transaction requirement{{d131*}}


CHECKING ACCOUNT HIGHLIGHTS

When we say zero, we mean it.{{d131*}}

Always a $0 maintenance fee each month with an EZChoice Checking account.

Online & Mobile Banking

Your money - and your time - are valuable. Get access to the tools you need to go.

M&T Alerts

Be the first to know in the event of unexpected activity or a low account balance.

Extensive local branch and ATM network

Get access to 2,000 ATMs or bank in person at over 900 branches.

M&T Assurance®

We work around the clock to help prevent, detect and resolve card fraud.

FEATURES WITH EVERY M&T CHECKING ACCOUNT

Banking built with you in mind.


Manage your money with ease with online bill pay{{d685*}}, mobile check deposit{{d1099*}}, and Zelle®{{d487*}}.


Custom debit card designs at no additional fee.{{d941*}}


Contactless checkout with digital wallet lets you pay on the go


Open a checking account in less than 10 minutes.

In person or online, get started in just a few steps.

Choose a checking account.

Ready to get started? You’ll need a $25 minimum opening balance. 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 questions, answered by our experts.

You must be 18 years or older and a U.S. Citizen to apply. You can open a checking account in less than 10 minutes.  Select the checking options that matter most to you and decide if you'd like to apply online or in branch. You can apply online for an EZChoice Checking account above on this page or schedule an appointment with your local branch for in-person support. Once a checking account has been created, you'll receive a confirmation email and will have the option to enroll in online banking. 

Yes, absolutely! You can open an checking account in less than 10 minutes online. Simply compare checking account types to determine which one best aligns with your individual needs and financial goals then complete the online application.

​To open an individual account in your name only, you will need (1) a valid U.S. driver's license or U.S. non-driver’s ID and (2) a valid U.S. Social Security number and you must be at least 18 years of age. If you are applying for a joint account, (1) the primary applicant must be at least 18 years of age and the co-applicant must be 16 years of age or older and (2) both joint applicants must have a valid U.S. driver's license or U.S. non-driver’s ID and a valid U.S. Social Security number. You will be required to provide this information, along with a U.S mailing address. If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, you will not be able to open an account online.

After you have completed the application, a confirmation e-mail will be sent to the email address you provided during the application process. You will also need to print, sign and return your signature card to M&T. If you have decided to mail a paper check to M&T for your opening deposit, you must mail your check, along with your signed signature card, to the M&T address provided on the signature card. Your M&T Debit/ATM card will arrive by mail within 7-10 business days. The card must be activated by phone or M&T ATM with your PIN before using.

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

No, not all checking accounts have minium balance requirements. However, you may receive additional benefits for maintaining specified average balances in your checking account, depending on the account type you choose. All checking accounts require a minimum $25 opening deposit. Compare checking accounts to better understand which one best aligns with your individual needs and goals.

Yes! Both online banking and M&T Bank's mobile banking app are great ways to help manage your accounts while on the go. You can enroll at no cost, and they come with additional beneifits and conveniences such as transaction alerts, Zelle®{{d487*}}, and Bill Pay{{d685*}} to name a few.