Be Informed Business - Help Center | M&T Bank

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Paycheck Protection Program

As a top 10 SBA lender3, M&T is here to help our existing customers apply for the Paycheck Protection Program.

Update: Now that we have received additional SBA guidance, we will begin accepting applications from our customers on Monday, April 6, 2020. Please check back for updates and tools to help you plan and organize.

Applicants must have an M&T Business checking account, opened as of 2/15/20.
We recommend that non-M&T customers speak with your existing bank or refer to the Small Business Administration.

Check back here to apply.

Small Business Association Top Ten Lender

Businesses with 500 or fewer employees who were in operation on or before February 15, 2020, including nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, certain self-employed individuals, and independent contractors can apply for a Small Business Administration Paycheck Protection Program loan.

Businesses with more than 500 employees in certain industries may also be eligible to apply.

Learn More about the CARES Act, including the Paycheck Protection Program

When can I apply?

Starting April 6, 2020:
Small businesses and sole proprietorships can apply.

Starting April 10, 2020:
Independent contractors and self-employed individuals can apply.

What you need to apply

We are committed to updating you as we learn more from the SBA. To help prepare for the application, we recommend that business owners begin to gather the following information and documents:

  1. 2019 IRS quarterly 940, 941 or 944 payroll tax reports
  2. Last 12 months of Payroll Reports (e.g. gross wages for each employee, paid time off for each employee, vacation pay for each employee)
  3. 2019 1099s for independent contractors that would otherwise be an employee of your business
  4. Documentation showing total health insurance premiums paid by the Company Owner under a group health plan
  5. Document the sum of all retirement plan funding paid by the Company Owner (do not include funding that came from employee's paycheck deferrals)


The Coronavirus Aid, Relief and Economic Security (CARES) Act offers assistance to small businesses. M&T is here to help you understand the next steps.

Learn More >


An alternative to the Paycheck Protection Program offered under the CARES Act is the Economic Injury Disaster Loan Program, offered directly through the Small Business Administration.

Learn More >

Apply Now >

Loan Deferment

Let us help you review what's available so you can make the right choice.

  • Contact your relationship manager
  • Call your local branch manager

Business & Commercial Customers.

We understand that cash flow, risk management and protection of business assets are top of mind as this situation unfolds. We're here as a resource to help with your unique needs.

Cash Management Services

M&T offers a wide variety of online cash management services to help you process payable and receivable transactions with platforms such as M&T BizPay and M&T Bank Treasury Center.

Faster Payments & Deposits

You can utilize faster payment options such as Real-Time PaymentsACH, and Wire Transfers with extended processing windows. Deposit checks without leaving your office via our mobile scanner feature now available with the Remote Check Deposit service1,2.

Risk Mitigation

M&T Insurance Agency is also here to answer your questions around risk mitigation and coverages. Insurance policies are unique, and we are here to help you understand the coverages you have in place. In times of uncertainty, and every day, we are committed to providing you with the information you need to proactively manage risks impacting your business.

Paycheck Protection Program

As a top 10 SBA lender3, M&T is here to help our existing customers apply for the Paycheck Protection Program.

Update: Now that we have received additional SBA guidance, we will begin accepting applications from our customers on Monday, April 6, 2020. Please check back for updates and tools to help you plan and organize.

M&T is here for you

Branch Availability

As COVID-19 (coronavirus) continues to affect the way we live, work, and interact, we want to ensure your banking needs are cared for, while also providing a safe environment for our customers and employees. To achieve this balance:

  • All ATMs and drive-up windows will continue to remain open as well as our teller lines that accommodate safe social distancing
  • Effective Monday March 23, branch lobbies will be open by appointment only. Please call 1-800-724-2440 to schedule a time that is convenient for you or visit for location-specific details, including branch contact information
  • We have arranged for alternate work locations for many of your Relationship Managers and have contingency plans for critical operations. Please continue to reach out to your relationship manager using the same number and email that you are accustomed to using.
Learn More >

Security & Protection

Beware of Scams

During times of heightened fear and confusion, scammers are looking to take advantage of these situations. Their goal is to gain access to your accounts and steal sensitive information.

Look out for deceptive emails, texts, and phone calls that may look like they are coming from reputable companies, charities, or government agencies such as the CDC and WHO. Learn more on how to be aware of the different types of fraud so you can help protect your personal and financial information.

On behalf of the M&T Bank family, thank you for being our customer. We take great pride in being your bank.

Resources & Insights

Explore Wilmington Trust's perspective on the pandemic's impact on investments and the economy

Learn More >

Explore insights for personal, small business and commercial banking customers

Learn More >


All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply.

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 representative for full details.

1Services Product Terms and Conditions Booklet for the provision of RCD services.

2A monthly maintenance fee as well as additional per item fees may apply if items are in excess of stated package volume.

3According to statistics released by the Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the fiscal year ending 9/30/19.

Deposits are subject to verification. Funds from remote check and mobile check deposits do not follow the normal funds availability schedule. Funds from mobile check deposits are not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except Federal holidays.

Insurance Products offered are: Are NOT FDIC Insured • Not a deposit in, obligation of, nor insured by any federal government agency • Not guaranteed or underwritten by the bank • Not a condition to the provisions or terms of any banking service or activity.

Insurance products are offered by M&T Insurance Agency, Inc., not by M&T Bank. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.

The content of this page is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.

Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation.

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