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Banking perks—just for M&T employees

Enjoy employee checking account perks, preferred rates, and exclusive discounts designed to help you make the most of your money.

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Employee Checking Account Perks

Enjoy MyChoice Plus Checking – with no monthly maintenance charge.{{d131*}}

Get a MyChoice Plus Checking with Interest account without having to pay the $14.95 monthly maintenance charge when your pay is directly deposited into the account.{{d131*}} Plus, enjoy:

  • M&T Online Banking,{{d204*}} M&T Mobile Banking,{{d16*}} M&T Alerts, access at 900+ ATMs and more
  • No M&T fee at other banks' ATMs​{{d252*}}
  • Rebates of other banks' ATM fees​​{{d253*}}
  • No fees for standard check orders on your employee account{{d1426*}}
Explore checking options

Employee Savings Account Perks

If you have an M&T checking account, you can open an M&T Relationship Savings account with no monthly service charge{{d131*}} and no minimum balance requirements.

How to Manage Your Account:

Explore savings accounts

Residential Mortgage & Consumer Loan Perks

Put our financing solutions to work for you.

As an M&T Bank Employee, you are eligible for discounts on various residential mortgage and consumer loan products.

Explore employee credit card benefits

​Best Rates on M&T Visa Credit Card{{d1430*}}

Receive multiple benefits with an M&T Visa® Signature Credit Card, M&T Visa® Credit Card with Rewards, or M&T Visa® Credit Card, including introductory rates on balance transfers and purchases (see Terms, Conditions & Fees here). As an employee, you’ll receive the lowest APR available on M&T Visa® Credit Cards, and you may also link your credit card account as overdraft protection for your employee checking account and pay a $1 transfer fee ($8 for non-M&T employees) when your checking account is overdrawn.

Learn more about M&T credit cards

​Overdraft Line of Credit Protection

Receive special consideration for an Overdraft Line of Credit, which is subject to credit approval.

Learn about homeownership perks

Residential Mortgage Interest Rate Discounts

M&T offers its employees interest rate discounts on the purchase or refinance of their primary residence. Get a 0.50% interest rate discount on a new purchase mortgage and a 0.25% discount on refinances of your primary residence. All employee mortgage discounted interest rates remain in effect for the life of the loan and are not contingent on continued employment with M&T Bank.{{d1427*}}

Learn more about mortgages

Additional Borrowing Benefits

The following discounts are available for employees in CT, DE, ME, MD, MA, NH, NJ, NY, PA, VT, VA, DC and WV.

​M&T CHOICEquity Discount

You’ll qualify for our best discount, which provides 0.40% off the variable interest rate on your account.

Explore M&T CHOICEquity

​Installment Loan Discount

You’ll get a 0.50% interest rate discount for all fixed rate installment loans when payments are automatically deducted from any M&T deposit account.

Learn more

Automobile Loan Discount

Receive a 1.50% discount off new, used, or refinanced automobile loans when payments are automatically deducted from any M&T deposit account. This is applicable for auto loans applied for at a branch, Telephone Contact Center (TCC) or online at http://mtb.com .

Learn more

Questions about employee banking perks?

For more information about M&T’s Employee Mortgage Program, our Overdraft Line of Credit, CHOICEquity Loans, Auto and Installment Loans and the M&T Visa Credit Cards, get in touch with us. We can answer any questions you may have and help you take advantage of your hard-earned perks.