M&T Bank : UPIC
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Universal Payment Identification Code (UPIC)

To help in the fight against fraudulent ACH transactions, M&T Bank offers Universal Payment Identification Code (UPIC). A UPIC is a unique number assigned to an M&T commercial checking account. Commercial customers can distribute the UPIC payment information to vendors and other parties that make credit payments to accounts via ACH. Benefits include:

Mitigate The Risk Of Fraud
Using UPIC instead of an M&T account number allows commercial customers to receive electronic payments without revealing sensitive banking information.

Electronic Transfers
UPICs facilitate ACH payments and the benefits associated with them, including float time, postage and reduction in manual handling of payments.

To find out more, please send us an email, call 1-800-724-2240 to speak to one of our experienced Commercial Service Team Representatives, or contact your M&T Relationship Manager.

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