M&T Assurance® for Online & Mobile Banking

At M&T Bank, we’re committed to protecting your online and mobile experience.

We offer several security assurances to help protect your information.

We help protect your personal information with digital security features.

  • M&T Online Banking and M&T Mobile Banking use 256-bit SSL encryption and will automatically log you out of an inactive session. Online Banking also uses IP address recognition and asks security questions to assist in authentication.

​We respect your privacy.

  • Your online activities are protected by our Internet Privacy Policy. It describes how the M&T website may collect, use and share information from or about you, and explains how the information may be shared or used.

We guarantee your M&T Bill Pay payments will be delivered on schedule.

  • The Bill Pay Guarantee covers up to $50 in late fees if your scheduled payment arrives late. Certain conditions and restrictions apply. {{d18*}}

Learn More About Bill Pay >

Your personal accounts are protected against fraud.

  • For personal deposit accounts (established for household use), you are protected by federal law against liability for unauthorized electronic fund transfers. 

Read About Regulation E Protections >  

  • Non-consumer accounts (such as corporate accounts and partnership accounts) and investment transactions are not covered by the fraud protections mentioned above. Please review the Digital Services Agreement for more information.

Learn how to better protect yourself online

For information and tips on how you can help protect your personal and financial information, visit our Banking Security Center.

Learn More