Get your bonus in 3 easy steps:

1. Open online today or visit a local M&T Bank branch to open a Business Checking account by September 30, 2026. Use promo code BW.
2. Maintain an average ledger balance of at least $5,000 in the third full month after you open your account.{{d1387*}}
3. Enjoy your cash bonus! Your account will be credited by the end of the fourth month.

Built for business owners like you. We listen to business owners every day, and we’ve built tools that meet you where you are and help you get where you’re going—so you can stay focused on what matters most—growing your business. Choose the account that best suits your business.

• Business Essential Checking: For entrepreneurs taking their first steps, Business Essential Checking offers simplicity, clarity, and control. It’s the perfect launchpad for turning ideas into action.​
• Business Plus Checking: As your business gains momentum, Business Plus Checking provides the added capacity and features to support increasing complexity—without slowing you down.
• Business Premium Checking: For businesses operating at full speed, Business Premium Checking delivers robust capabilities, deeper insights, and personalized service to help you lead with confidence.​​

Features with every business checking account:

• Help protect what you've built: Fraud mitigation tools and chip tech help safeguard your business—so you can focus on growth
• Move money, make moves: Send payments, transfer funds, and pay bills in minutes{{d16*}}.
• Bank anywhere, work everywhere: Mobile tools that keep your business running—whether you're in the office or on the go{{d204*}}.
• Local roots, big reach: Get the personal touch of a community bank with the power of a wide network.
• Your brand, your card: Make every transaction a reflection of your business with a debit card that features your logo and design{{d1313*}}.

How to open your checking account online in less than 10 minutes:

1. Choose the right fit for your business: Select a checking account that aligns with your goals—whether you're just starting out or scaling up. Our options are built to support your business at every stage.
2. Apply your way: Apply online or visit your local branch for personalized guidance. We're here to help you get started with confidence.
3. Activate your financial foundation: Once your account is confirmed, you’ll unlock access to online banking, receive your M&T Business Debit Card, and be ready to connect with tools that help you manage, grow, and thrive.