M&T Bank
M&T Bank
Let's Get Started!
Your pre-approved* M&T CHOICEquity offer
expires on .
Use your Special Program Code and
Offer ID to get started
Questions? Please contact Customer Service
at 1-877-378-1276 for assistance.
Home Equity
Introductory Rate
Introductory variable rate of % APR (Prime %) for the
first six billing cycles.2
Continuing Rate
Variable rate as low as % APR thereafter.2
Bonus Rewards
Plus get a bonus of 10,000 M&T Rewards points!4
BAU
Get the flexibility and convenience
to fund what's important.
Enjoy a simple application process, flexible terms and easy
access to your line of credit.
  • No application fee, closing costs or annual fee2
  • Option of interest-only payments during your draw period
  • Lock in up to three fixed-rate loans
  • Easy account access with checks and M&T Online or Mobile Banking3
Get started today!
Your offer expires .
YOU CAN CHOOSE TO STOP RECEIVING "PRESCREENED" OFFERS OF CREDIT FROM THIS AND OTHER COMPANIES BY CALLING TOLL FREE 1-888-5-OPT-OUT.

PLEASE SEE THE "PRESCREEN & OPT-OUT NOTICE" AT THE BOTTOM OF THIS PAGE FOR MORE INFORMATION.
* PLEASE SEE BELOW, UNDER "CHOICEQUITY LINE OF CREDIT - IMPORTANT CONDITIONS" FOR THE CONDITIONS OF THIS OFFER.
CHOICEQUITY LINE OF CREDIT - IMPORTANT CONDITIONS

  1. Certain conditions apply. You have been individually pre-approved by M&T Bank for a CHOICEquity line of credit in the amount of up to $500,000. You have received this offer because you have met the credit criteria we used to prescreen customers for this offer. Granting of credit or assignment of maximum credit line amounts are dependent upon you continuing to meet the credit criteria of this prescreened offer, including our verification of your debt-to-income ratio, and the available equity in your home. "Available equity" is figured by taking the value of your home (as determined by us) and subtracting any existing balances on loans secured by mortgages on the home. Any existing outstanding mortgage balances plus the credit limit of the CHOICEquity Line of Credit cannot exceed 85% of the value of your home for credit lines up to $500,000. Also, the mortgage given in connection with the CHOICEquity Line of Credit must be in either first or second lien position. You must own your home, it must be an owner-occupied dwelling, and it must meet M&T's collateral requirements. This pre-approved offer is made to you individually; however, any co-owner of your home must authorize M&T's mortgage securing your CHOICEquity Line of Credit.
    PRESCREEN & OPT-OUT NOTICE This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free, 1-888-5-OPT-OUT (1-888-567-8688); or write them individually at: Experian Target Marketing, P.O. Box 919, 701 Experian Parkway B2, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion Corporation, Attn: Marketing Opt Out, P.O. Box 505, Woodlyn, PA 19094-0505.
  2. To qualify for the M&T CHOICEquity Introductory variable Annual Percentage Rate (APR) of Prime % (currently % APR), you must make a draw equal to at least 50% of your approved line amount at account opening. The Introductory APR will apply only during the first six (6) billing cycles ("Introductory Period") after your M&T CHOICEquity account is opened. Thereafter, the APR, including the APR on any existing balance, will convert to the applicable non-discounted variable APR for the life of the line. Your introductory and non-discounted variable Annual Percentage Rates may vary monthly based on changes in the Prime Rate as published by The Wall Street Journal in its "Money Rates" table. Prime rate as of = %. Your non-discounted variable APR will be between Prime % (currently % APR) and Prime + % (currently % APR) for variable rate lines of credit between $50,000 and $500,000, with a maximum loan to value of 80.99%, and are based on lien position, line amount, loan to value ratio, deposit relationship, and creditworthiness (as reported to M&T by an outside reporting agency). Please contact M&T to discuss line amounts less than $50,000, line amounts between $500,000 and $1,000,000 and loan to value ratios above 80.99%. Your variable APR will never exceed 15.9% APR. Minimum APR is 2.99% after the expiration of the Introductory Period.
    Accounts canceled within 36 months of account opening are subject to reimbursement of 3rd party fees paid in connection with establishing the account. Property insurance and flood insurance, if applicable, are required. Other terms and conditions may apply. Rates are subject to change. M&T CHOICEquity accounts cannot be used to pay off existing M&T CHOICEquity or Home Equity accounts. Offer good on properties in
  3. Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for full details.
  4. Rewards Program: The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. This 10,000 bonus points offer is available if you open an M&T CHOICEquity account, and will be awarded to qualifying customers' existing Rewards Points accounts within 60 days of the campaign expiring. Offer is limited to new M&T CHOICEquity customers who received this offer only. Additional exclusions and terms apply. One 10,000 bonus points award per Program Account (as defined in the Program Terms and Conditions). Offer subject to change and/or discontinuation without notice.
    Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T branch representative for full details.