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To turn on JavaScript in Firefox, follow these steps:

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

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Overdraft Protection Plans

Help to ensure that your checking account transactions are covered by linking your account to your preferred funding source. Choose the plan that’s right for you.​

_

 

 

​​​Overdraft Protection Plans

With an overdraft protection plan, available funds from your M&T Overdraft Line of Credit, Savings Account or Credit Card are automatically transferred to your checking account in the event you don’t have sufficient available funds in the checking account to cover an item. Our overdraft protection plans provide flexibility in case funds are not readily available in your checking account to do a withdrawal or make a payment.

Review the plans below to see which one is the right fit for you. If you’re unsure of which one would work best, talk to one of our Relationship Bankers at your nearest branch for help.

Savings Overdraft

By linking your M&T Savings Account to your M&T Checking Account, you can use your own funds to cover any overdrafts.DIS-143-DIS|DIS-123-DIS

TransfersRates and FeesDIS-143-DISAdditional InformationApply Now

We will transfer the amount needed to cover overdrafts on your personal checking account. You must have enough funds available in your linked savings account for the transfer to occur.DIS-123-DIS

Transfer Fee:
$12.50 per transfer, charged no more than once per day.DIS-151-DIS

Customers must have an M&T Checking Account.

Open an Account >

M&T Visa Credit Card 

Link your M&T Visa® Credit Card, and we will transfer the amount needed to cover your overdraft transaction up to your available credit limit.DIS-143-DIS|DIS-56-DIS

TransfersRates and FeesDIS-143-DIS|DIS-58-DISAdditional InformationApply Now

We will transfer the amount needed to cover overdrafts on your personal checking account up to the amount of the available credit on your M&T Visa Credit Card. You must have enough credit available on your linked M&T Visa Credit Card for the transfer to occur.

Overdraft Transfer Fee:
$12.50 for each transfer but charged no more than once per day.DIS-151-DIS|DIS-58-DIS

Transfers from your M&T Visa Credit Card are subject to a variable Interest Rate. Please see your M&T Visa Credit Card disclosures for additional information.

Customers must have an M&T Checking Account.

You will be billed monthly on your credit card statement for overdraft transfers and other charges made using your M&T Visa Credit Card.

Subject to credit approval.

Apply Now >

Overdraft Line of Credit

An M&T Overdraft Line of Credit provides the ability to apply for a line up to $25,000, and we will cover your transaction up to your available credit limit.DIS-143-DIS|DIS-56-DIS

TransfersRates and FeesDIS-143-DIS|DIS-140-DISAdditional InformationApply Now

$250-$25,000 line of credit linked to your M&T Checking Account.

We will transfer the amount needed to cover overdrafts on your personal checking account. You must have enough credit available in your linked line of credit for the transfer to occur.

Annual Percentage Rate (APR):
18% ​DIS-56-DIS|DIS-140-DIS

No annual fee.DIS-140-DIS

Overdraft Transfer Fee:
$12.50 for each transfer but charged no more than once per day.DIS-151-DIS

Customers must have an M&T Checking Account.

You will be billed monthly for overdraft transfers and any applicable interest charges and fees on your Overdraft Line of Credit statement that is combined with your monthly checking account statement.

Subject to credit approval.

Apply Now >

Apply for a Bank Overdraft Protection Plan now.

To apply for an M&T Overdraft Line of Credit, call 1-800-724-3222 or apply online.

To link a savings account as overdraft protection, call 1-800-724-2440.

For a new M&T Visa Credit Card, call 1-800-724-2440 or apply online.

You can always visit your local branch for help with any of the services above.

DIS-222*-DIS

 

 

 

 

 

  • What should I know about overdraft fees and insufficient funds fees?
  • ​​An overdraft fee results when you do not have enough money available in your account to cover a transaction but we, at our discretion, pay it as a service to you. 

    An insufficient funds (NSF) fee results when you do not have enough money available in your account to cover a transaction, and we return or decline to pay your transaction. DIS-222*-DIS

 

 

 

 

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