Simple Checking for Business
As your business grows, you need more than the basics. M&T’s Simple Checking for Business gives you flexibility, support, and the tools to keep momentum on your side.
Designed for easy account management, so you can get back to business.

Simple money movement
Transfer money and pay bills in minutes.
Simplify your financial management
- $10 monthly maintenance fee{{d918*}}
- No usage charge for first 100 transactions per month {{d1312*}}
- No usage charge for first $5,000 in currency deposited{{d489*}}
Ways to waive the monthly
maintenance fee{{d918*}}
- Maintain an Average Ledger Balance is at least $2,500 that month OR
- Make 5 or more transaction items{{d1312*}} that month
Simple Checking Fees
FEE
DETAILS
Monthly Maintenance Fee
$10.00 with ways to waive the monthly maintenance fee{{d918*}}
How waive the monthly maintenance fee:
- Maintain an Average Ledger Balance is at least $2,500 that month OR
- Make 5 or more transaction items{{d1312*}} that month
Additional Transaction Items Fee{{d1312*}}
- No usage charge for first 100 transactions per month {{d1312*}}
- $1.00 per transaction, in excess of first 100 checks paid, checks deposited, deposited tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits.
Paper Statement Fee
$3.00 or waived if account is enrolled in electronic delivery and does not receive paper statement thereafter
Currency deposit fee
No usage charge for first $5,000 in currency deposited{{d489*}}
Open an account online today or visit your local M&T branch.
What is required?
OPENING A NEW ACCOUNT
You can open at your nearest M&T Bank branch where a Business Banking Specialist can assist you.
Eligibility Requirements:
- You must be at least 18 years old.
- All applicants are subject to a review of past account handling and verification of the information provided.
- Business documentation may be required depending on business ownership structure (please contact a branch associate for details).
Bank when it's convenient for you.
ONLINE & MOBILE BANKING
Take advantage of services that complement your business checking account. Designed to help manage your account with ease, so you can get back to business.

Ready to get started?
START TODAY
Open your account at your nearest M&T branch, or schedule an appointment with a business banking specialist to learn more.
Top questions, answered by our experts.
Simple Checking for Business FAQs
Absolutely! You can request an M&T Custom Card{{d1313*}} with your company’s logo, imagery, a photo of your headquarters or another photo of your choice. Speak to your Business Banking Specialist about how to build your custom card.
There is no minimum balance requirement to keep your M&T Simple Checking for Business account open. If you maintain an Average Ledger Balance of $2,500 or more in the statement period, we'll waive the $10 monthly maintenance fee.{{d918*}}
No two businesses have the same checking needs. That's why we created a range of business checking account options. Check out our Compare Checking Options page to determine which account might be right for your unique needs.
Keeping your information secure is important.
Secure Browsing
Look for a lock next to our web address and "https" at the beginning of our web address to indicate secure pages displaying your sensitive customer information.
Personal Information
M&T Bank never requests your personal information through email, U.S. mail or phone unless you initiate contact or we are completing an application for you.
Phishing
M&T Bank will never send you an email requesting your credentials or personal information. If you receive this type of email, please forward to phishing@mtb.com.