Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Mother smiles and hugs young son as he puts coin in piggy bank.

Making Deposits

​​Learn the basics about making deposits and funds availability.




​​​​What You Should Know When Making a Deposit

When you make a deposit into your checking account, you may want to use that money right away to get cash, write checks, or make a purchase. But as is the case at other banks, there are a number of factors that impact how quickly you can access the money you've deposited into your M&T checking account.

​​Types of Deposits

When you make a deposit, how quickly you can access the funds depends on the type of deposit (cash, check, electronic direct deposit, etc.), whether you make a deposit at a branch or ATM, and even the time of day. Remember: How, when, where and what type of deposit you make will impact when funds become available for use.

​Direct Deposit

Use direct deposit whenever possible – funds from an electronic direct deposit are available for your use on the same business day that we receive the deposit.

Online Banking

Log in to M&T Online Banking to look at your deposit. When you click on the deposit in your transaction history, you will see when the deposit will be available to you.

​For specific information about when funds from deposits become available for use, talk to a representative at your local M&T branch​ today. You can also refer to the Availability Disclosure for Consumer Deposit Accounts provided at account opening and available from an M&T representative.

​Available Balance vs. Total Balance

To understand how much money is truly available to you, you must know the difference between available balance and total balance. Also, it's important to note that available and total balance may vary if you have a hold on your account from a debit card purchase.

  • ​Available balance. Funds on deposits that are available for your use in writing checks or making other withdrawals
  • Total balance. Includes all available and unavailable funds in your account

​​How the Timing of a Check Deposit Works

Chart with example of a single day’s checking account transactions.