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.





M&T Debit Card FAQs

Get answers to frequently asked questions about the M&T Debit Card. ​DIS-222*-DIS




  • ​Purchases will be authorized and paid from the primary checking account linked to your debit card. ​With your M&T Debit Card you can visit the M&T Mobile Banking appDIS-221-DIS and any M&T Bank ATM to access multiple accounts. Check balances, transfers funds, make deposits or withdrawals and even make payments to line of credit accounts – although not all ATMs offer all transaction types. Up to 10 accounts may be linked:

    • 4 Checking Accounts
    • 4 Statement Savings Accounts
    • 2 Line of Credit Accounts

    Each account has a unique identifier – "account nickname" (i.e., House Acct 1234, Vacation Acct 2222, Tommy's Acct 4546). M&T Bank ATM​ screens will display the accounts associated with your card. Select the account for which you would like to perform a transaction. All accounts will also be accessible via the M&T Telephone Banking Center at 1-800-724-2440.

  • ​​​To minimize the amount of any loss you may be responsible for, notify us immediately if your card gets lost or stolen. The Visa Zero Liability PolicyDIS-195-DIS provides additional protection for unauthorized transactions made through the Visa​ network.

  • ​​​M&T Alerts are available for M&T Online and Mobile Banking users at no charge.DIS-221-DIS|DIS-9-DIS You can opt to receive notifications to your email or mobile device with details about certain types of account activity - including security alertsDIS-9-DIS, debit card purchases that were made by web/phone, purchase returns and large withdrawals. M&T Alerts also allows you to track balances and transactions.

    If you aren't already enrolled in Online Banking, sign up now​.

  • It’s an easier, safer and more convenient way to access your money than cash or checks for everyday purchases.

    • Receive the benefit of 24/7 Real-Time Fraud monitoring which helps detect suspicious card activity outside your normal purchasing pattern.
    • Extend your purchasing power so that you can pay your bills, complete online, over the phone and in app purchases.
    • Shop online easily with Visa Checkout and pay quickly on-the-go with Apple Pay®, Google Payand Samsung Pay
  • ​There is NO ANNUAL OR MONTHLY FEE. Transaction fees may apply. See your Electronic Banking Card and Telephone Transaction Disclosure and Agreement for details.​
  • ​​​​​Use your M&T Debit Card​​ at millions of locations worldwide, at your favorite online merchant, over the phone and for in-app purchases.​

  • ​​No, the M&T Debit Card​ extends your purchasing power so that you can pay bills, and make purchases online, over the phone and in app. With M&T Assurance® you will receive the benefit of 24/7 Real-Time Fraud monitoring. Real-Time Fraud Monitoring screens your account 24/7 to help you detect suspicious card activity outside your normal purchasing pattern.

  • ​​​A debit card is not a credit card even though it has the Visa® logo on it. The Visa logo expands your purchasing power, allowing you to make purchases online, in app, over the phone or at millions of locations worldwide. With a debit card, the purchase amount comes directly out of your checking account.

  • ​​If your card is lost or stolen, you should immediately call the M&T Telephone Banking Center at 1-800-724-1552 or stop into a branch​ to report the incident.

  • ​​With your M&T Debit Card​​ you can make purchases big or small anywhere Visa® is accepted. When you make a purchase from a store or online retailer, the money is withdrawn from your linked checking account. The M&T Debit Card also serves as your ATM card for withdrawing cash from any linked deposit account, and it can be used to get cash back from retailers when you make purchases using your personal identification number (PIN). Additionally, you can use the card to transfer funds between linked accounts.

  • ​​You can access your detailed transaction information online through M&T Online and Mobile Ba​nkingDIS-221-DIS by calling the M&T Telephone Banking Center at 1-800-724-2440 or by reviewing your account statements. Each purchase is detailed on your monthly checking account statement with the transaction date, amount, merchant name and location.​

  • ​​For your personal security, your M&T Debit Card does have limits. While these limits should not affect your average use of the card, there are cash withdrawal and purchase limits in place to prevent excessive usage if an unauthorized individual were to use your card. Please refer to the Electronic Banking Card and Telephone Transaction Disclosure and Agreement you received with your card for more information regarding these limits.​

    Added benefit: if we notice that your card is being used more frequently than normal, we may request to speak to you at the time you are making a purchase, or we may call you to ensure that your card is not being used fraudulently.​

  • When you make a purchase with an M&T Debit Card, the money is taken out of your linked M&T checking account. Follow the prompts on the terminal to complete your transaction. You may be asked to enter your PIN or sign for your purchase. Either way, you will not be charged a fee for purchases in the U.S.DIS-305-DIS

  • ​​When you receive your card in the mail, simply call the number shown on the sticker on the front of your card or activate it at an ATM. Once the card is activated, remove the sticker and sign the signature panel on the back of the card. 

  • Purchase returns will appear in M&T Online and Mobile Banking, although access to the funds will not be available until the return is cleared by the store or service provider. 

    Purchase returns may take up to three business days to process; any questions regarding the status of a return should be directed to the store or service provider from which you made the return. 

  • If you think there is an error involving a transaction, such as a purchase you didn't make or an incorrect amount charged to your card, notify us immediately. In some cases we may provide a provisional credit as soon as 2 hours (but it could take up to 10 business days) to assist with any inconvenience you may have experienced.

    Contact us by calling the M&T Telephone Banking Center at 1-800-724-2440 or by writing to:

    Manufacturers and Traders Trust Company
    P.O. Box 767 
    Buffalo, New York 14240-0767

    If you have a problem with any goods or services purchased using the card, please attempt to settle any disputes directly with the merchant wh​o provided the goods or services. For more details, please refer to the Electronic Banking Card and Telephone Transaction Disclosure and Agreement you received with your card.​

  • If you have a damaged card, you can visit your local branch or call 1-800-724-2440 to get a replacement.