Deposit Services

Let M&T Bank help you efficiently conduct transactions on your business deposit accounts and manage your organization’s liquidity needs, both short and long term. We provide a full suite of deposit options - checking, savings, money market or CD.

Checking Accounts

Choose between two commercial checking account options and decide whether you'd prefer to earn interest or generate earnings credit rate to offset service charge.

Corporate Checking


Analyzed, tiered, non-interest-bearing checking account

Provides earnings credit rate to reduce or offset service charges 

FDIC coverage1 ​​

Fully integrated with Treasury Management services

Corporate Checking with Interest


Analyzed, tiered, interest-bearing checking account

Competitive interest rates

FDIC coverage1​​​

Fully integrated with Treasury Management services

Money Market Savings & Time Deposits

Get competitive rates and flexible terms on money market savings accounts2 that can help your business reach its savings goals.

Commercial Money Market Savings


Tiered interest rates for savings balances

Competitive variable interest rates based on tiered balance

FDIC coverage​​​1

Includes eStatements for more efficient access to your statements

Corporate Checking with Interest


Analyzed, tiered, interest-bearing checking account

Competitive interest rates

FDIC coverage​​​1

Fully integrated with Treasury Management services

Time Deposits


Option of locking in a fixed interest rate between 7 days and 10 years

Competitive fixed rates

FDIC coverage​​​1

Includes eStatements for more efficient access to your statements through our delivery channel

Escrow Services

Save time and operating costs with escrow services – benefits include tax reporting, online management and unlimited sub-accounts.

Lease Security Deposit Account

Designed for landlords who act as trustee for tenant security deposit funds.

Master Escrow Deposit Account

Designed for professionals who act as trustee for client funds – such as attorneys, title companies, home builders, co-op/condo associations and funeral homes that hold funds in trust for clients. 

Corporate & Institutional Escrows

Designed for professionals who want the bank to act as the escrow agent where funds are only released per a specific solution - either simple or highly-customized.

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Personal Mortgage Escrow

Designed for homeowners looking to manage escrow payments to pay property taxes, homeowner's insurance and flood insurance. 

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Benefits of Escrow Services

Unlimited number of sub-accounts per master account

Checks for disbursement directly from the master account

Monthly combined statement summarizing account balances and interest for all sub-accounts

A comprehensive audit trail, including 1099 tax reporting, managed by M&T

Online sub-account management via Escrow Online