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.





Woman in suit with arms crossed holding paper and standing against wall.

ACH Account Number Masking (UPIC)

​Help fight against fraudulent ACH transactions by using a unique Universal Payment Identification Code (UPIC®) number when you do business with vendors and other parties.​​




​​​​A Better Way to Make Electronic Payments  

A Universal Payment Identification Code (UPIC) is an account identifier service provided by M&T, which adds another layer of security to your electronic ACH transactions. It masks your sensitive banking information, such as your M&T direct deposit account (DDA) number, from those making ACH payments to your business.

Enhanced Security that Helps Prevent Debit Transactions

Without UPIC, all someone needs to initiate an unauthorized ACH debit payment is your account number and bank routing/transit number. With UPIC, your sensitive information is hidden from view, helping to reduce exposure and access to your data. Your UPIC can be used for business-to-business credit transactions – no ACH debits or withdrawals can be made against your UPIC number and any such attempt would be blocked and returned to the sender. ​

​Increased Confidence to Leverage ACH Efficiencies

With your account information concealed by your UPIC number, you can feel comfortable expanding your use of ACH payments to take advantage of all of the time- and cost-saving benefits associated with them – including reductions in paper, postage, errors (due to less manual handling), float time and more.​

How to Request a UPIC

To learn more, or to enroll in the service, call 1-800-724-2240 to speak to one of our Commercial Service Team Representatives, Monday—Friday, 8am–6pm ET, or contact your M&T Relationship Manager.​

As soon as we have provided you with a UPIC, you can let other businesses know that they should start using it for ACH credits to your account. We will then route all UPIC transactions though the ACH system, validate them, and credit your account.​​DIS-222*-DIS





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