Banking that Powers What's Next
With Business Premium Checking, you're not just managing money — you're fueling growth. Whether you're scaling up, branching out, or building something bold, our premium tools and personalized support help you move forward with confidence.
Earn up to a $1,500 cash bonus{{d1397*}}
Earn $300
Average Ledger Balance
of $5,000 to $14,999.99
Earn $500
Average Ledger Balance
of $15,000 to $29,999.99
Earn $750
Average Ledger Balance
of $30,000 to $99,999.99
Earn $1500
Average Ledger Balance
of $100,000 or more
Open a new M&T Business Checking account
Open online today or visit a local M&T Bank branch to open a Business Checking account by March 31, 2026. Use promo code BW.
Maintain the average ledger balance requirement
Maintain an average ledger balance of at least $5,000 in the third full month after you open your account.{{d1397*}}
Get your cash bonus
Enjoy your cash bonus! Your account will be credited by the end of the fourth month.
Promo code automatically applies when you open your account online.
Want to visit a branch? Email yourself a bonus coupon
Earn up to a $1,500 cash bonus{{d1397*}}
Earn $300
Average Ledger Balance
of $5,000 to $14,999.99
Earn $500
Average Ledger Balance
of $15,000 to $29,999.99
Earn $750
Average Ledger Balance
of $30,000 to $99,999.999
Earn $1500
Average Ledger Balance
of $100,000 or more
Open a new M&T Business Checking account
Open online today or visit a local M&T Bank branch to open a Business Checking account by March 31, 2026. Use promo code BW.
Maintain the average ledger balance requirement
Maintain an average ledger balance of at least $5,000 in the third full month after you open your account.{{d1397*}}
Get you cash bonus
Enjoy your cash bonus! Your account will be credited by the end of the fourth month.
Promo code automatically applies when you open your account online.
Want to visit a branch? Email yourself a bonus coupon
Banking that moves with your business
Comprehensive financial solutions
Simplify complex operations with higher transaction limits, advanced cash flow management tools and reduced fees.
Flexibility
Manage your business from anywhere with integrated online and mobile banking{{d16*}} and expanded access to ATMs and branch locations.
Integrated Ecosystem
Seamless connections to treasury management, lending, and investment services — all under one roof.
Relationship-Driven Support
A dedicated business banker who understands your growth trajectory and proactively brings ideas to the table.
Comprehensive financial solutions
Simplify complex operations with higher transaction limites, advanced cash flow management tools and reduced fees.
Flexibility
Manage your business from anywhere with integrated online and mobile banking and expanded access to ATMs and branch locations.
Integrated Ecosystem
Seamless connections to treasury management, lending, and investment services — all under one roof.
Relationship-Driven Support
A dedicated business banker who understands your growth trajectory and proactively brings ideas to the table.
Elevate How You Bank
Business Premium Checking is built for high-performing businesses that need more capacity, more flexibility, and more ways to grow. With expanded limits and multiple ways to waive fees, it’s designed to support your momentum—today and as you scale.
- $25 monthly account maintenance fee — waived for the first 3 months{{d957*}}
- No charge for the first 500 transaction items every month{{d1358*}}
- $20,000 in currency deposited or supplied included to help manage larger inflows{{d489*}}
- Unlimited debit card usage
FEE
DETAILS
Monthly Account Maintenance Charge
$25.00
Additional Transaction Items Fee{{d1358*}}
$.50 per transaction item, in excess of first 500 checks paid, checks deposited, deposited tickets (whether physical or create virtually in connection with an ATM, mobile, remote check deposit, or other electronic deposit), ACH credits received(not generated by the customer), and ACH debits received (not generated by the customer). ATM cash deposits are not considered a transaction item.
Monthly Paper Statement Fee
$3.00. Waived for the first 3 months upon account opening; waived if account is enrolled in electronic delivery and does not receive paper statement thereafter.{{d1324*}}
Additional Currency Deposited or Supplied{{d489*}}
Fees for additional currency deposited or supplied (including deposits completed at an M&T ATM) are $0.27/$100.
Requirements to waive the account monthly maintenance fee{{d957*}}
$10,000 Average ledger balance.
Maintain $25,000 combined average ledger balance across linked Commercial Savings Account
Receive $10,000+ in monthly M&T Merchant Services deposits
$2,000 or more in purchases and payments {{d1275*}}on a linked M&T Business Credit Card
Online account opening available for sole proprietors only.
Streamline Payments and Maximize Value
Business Premium Checking works even harder when paired with M&T Merchant Services. By linking your merchant account, you unlock powerful tools to manage payments—and gain another way to waive your monthly maintenance fee.
What you get:
Flexible payment processing for in-person and online sales
Integrated funds management
Real-time reporting and insights
Terminals and software tailored to your business
Built-in fraud protection
Empower Your Business with Premium Tools
Connect Business Premium Checking to tools like Merchant Services, BizPay, and Treasury Center to manage payments, protect cash flow, and streamline operations—all from one place.
M&T BizPay{{d594*}}
Pay vendors and contractors digitally with tracking and controls.
M&T Treasury Management{{d1068*}}
Manage liquidity, payments, and fraud protection in one platform.
Access to Funding{{d231*}}
Lines of credit and loans to support growth and cash flow.
M&T Merchant Services {{d219*}}
Accept payments in-store and online, with fraud protection and reporting tools.
M&T Business Credit Card{{d499*}}
Flexible spending, rewards, and fee-waiver eligibility.
M&T Commercial Card
Control spending, streamline payments, and earn rewards.
Empower Your Business with Premium Tools
Connect Business Premium Checking to tools like Merchant Services, BizPay, and Treasury Center to manage payments, protect cash flow, and streamline operations—all from one place.
M&T BizPay{{d594*}}
Pay vendors and contractors digitally with tracking and controls.
M&T Treasury Management{{d1068*}}
Manage liquidity, payments, and fraud protection in one platform.
Access to Funding{{d231*}}
Lines of credit and loans to support growth and cash flow.
M&T Merchant Services {{d219*}}
Accept payments in-store and online, with fraud protection and reporting tools.
M&T Business Credit Card{{d499*}}
Flexible spending, rewards, and fee-waiver eligibility.
M&T Commercial Card
Control spending, streamline payments, and earn rewards.
Ready to open a Business Premium Checking account?
Please prepare the following:
Your SSN, personal address, email address & mobile phone number
Your business's Taxpayer Identification Number (EIN, SSN, ITIN)
Name, email address and mobile phone number or owner who has 100% ownership of the company
Ready to open a Business Premium Checking account?
Please prepare the following:
Your SSN, personal address, email address & mobile phone number
Your business's Taxpayer Identification Number (EIN, SSN, ITIN)
Name, email address and mobile phone number or owner who has 100% ownership of the company
Comprehensive Solutions for Managing Your Business Finances
Your business deserves more than just everyday banking. With M&T Mobile & Online Banking.{{d204*}} and the trusted expertise of Wilmington Trust, you’ll have the flexibility, security, and guidance to manage cash flow, monitor transactions, and plan for the future—all in one place.
Streamlined Online Banking
Manage your money with ease—from mobile deposits to card controls—all in one secure, simple platform.
- Transfer funds
- Card management tools
- Mobile bill pay{{d16*}}
- Mobile check deposit
Wilmington Trust Wealth Advisory Services {{d1088*}}
As your business grows, so do your financial opportunities. Wilmington Trust Wealth Advisors offer tailored strategies to help you protect, invest, and expand your success — with deep expertise and a long-term view.
Comprehensive Solutions for Managing Your Business Finances
Your business deserves more than just everyday banking. With M&T Mobile & Online Banking and the trusted expertise of Wilmington Trust, you’ll have the flexibility, security, and guidance to manage cash flow, monitor transactions, and plan for the future—all in one place.
Streamlined Online Banking
Manage your money with ease—from mobile deposits to card controls—all in one secure, simple platform.
- Transfer funds
- Card management tools
- Mobile bill pay
- Mobile check deposit
Wilmington Trust Wealth Advisory Services {{d1088*}}
As your business grows, so do your financial opportunities. Wilmington Trust Wealth Advisors offer tailored strategies to help you protect, invest, and expand your success — with deep expertise and a long-term view.
Top business checking questions, answered by our experts.
Business Premium Checking is designed for businesses with complex needs and higher transaction volumes—those ready for advanced treasury tools and deeper insights. If you’re managing multiple accounts, teams, or large cash flows, Premium gives you the flexibility and control to lead with confidence.
Business Premium Checking includes 500 transaction items each month and $20,000 cash deposit allowances to support high-volume operations. Beyond those limits, additional fees may apply—but the structure is transparent, so you can plan ahead and keep your focus on growth.
Yes. Business Premium Checking offers access to advanced treasury services like Positive Pay, ACH origination, and wire transfers—tools that help you move money more securely and help protect against fraud. Some services may involve additional fees, but they’re designed to deliver peace of mind and operational efficiency.
Yes, paper statements are available if you prefer them. A small fee may apply{{d1324*}}, but you can choose eStatements for convenience and cost savings.
Yes. If you’re ready to move from Business Plus Checking to Business Premium Checking, we’ll guide you through the transition so you can keep your momentum without starting over.
