M&T Bank @Work
Earn $300 when you open a new eligible checking account and complete qualifying activities.{{d1538*}}
Open a M&T Checking account today!
The need for financial wellness
92%
of employees are stressed about their finances due to economic uncertainty{{d1527*}}
58%
of people say financial matters cause them the most stress{{d1528*}}
7.3
hours of productivity are lost by the average employee per week due to financial stress{{d1527*}}
What is M&T Bank @Work?
We provide employers and their employees convenient access to banking products, services, and financial education tailored to their needs—helping employees achieve their financial goals and supporting businesses in building a stronger, more engaged workforce.
Exclusive Banking benefits
Special benefits
- Up to $300 bonus for a new eligible checking account opening {{d1538*}}
- $250 discount on mortgage closing
costs{{d1533*}}{{d1534*}} - 0.75% personal loan rate discount{{d1533*}}
- 0.40% home equity rate discount{{d1533*}}
- No fee for first standard check order{{d496*}}
Personalized advice
- Personalized planning: We focus on understanding your goals and how they fit into your overall financial picture.
- One-on-one financial reviews with M&T bankers
- Accessible guidance: Our local specialists are available by phone, text, or in-branch to help with investing, cash flow, or insurance questions.
Financial wellness workshops
- M&T Money Mentor workshops
- One-on-one financial reviews with M&T bankers
- Support setting up account and direct deposit
Earn up to $300 in 3 simple steps.
Open your checking account
Just open a new eligible M&T Personal Checking account before December 31, 2026.
Set up Direct Deposits
Set up and receive qualifying direct deposits totaling at least $500 within 90 days of account opening.{{d1538*}}
Receive your $300 cash bonus
Your cash bonus will be awarded within 90 days after completing the qualifying direct deposits.{{d1538*}}
Explore checking account options
$300 CASH BONUS{{d1538*}}
MyChoice Premium
Offering the most premium features, benefits and perks.
MONTHLY MAINTENANCE CHARGE
$24.95/month or $0/month{{d1108*}} if the requirements are met
WAIVE THE MONTHLY
MAINTENANCE CHARGE
$0/month{{d1108*}} with an average daily balance of $7,500 or more per monthly service charge cycle OR
combined daily average balances of $25,000 or more in eligible accounts{{d1526*}}
CHECKING ACCOUNT FEATURES
Special Deposit Interest Rates
Free standard check orders{{d371*}}
Discounted Personal Loan rates{{d286*}}
$300 CASH BONUS{{d1538*}}
MyChoice Plus
Enjoy ATM surcharge rebates and the option to earn interest.
MONTHLY MAINTENANCE CHARGE
$14.95/month{{d496*}} or $0/month{{d1108*}} if the requirements are met
WAIVE THE MONTHLY
MAINTENANCE CHARGE
$0/month{{d1108*}} with an average daily balance of $2,500 or more per monthly service charge cycle OR
direct deposits totaling $1,500 or more per monthly service charge cycle
CHECKING ACCOUNT FEATURES
Interest-bearing option{{d833*}}
Discounted Personal Loan rates{{d286*}}
No fee at non-M&T ATMs{{d1083*}}
$150 CASH BONUS{{d1538*}}
EZChoice
Our most popular option with the essentials you need.
MONTHLY MAINTENANCE CHARGE
$0/month{{d1108*}}
WAIVE THE MONTHLY
MAINTENANCE CHARGE
No monthly maintenance charge to waive
CHECKING ACCOUNT FEATURES
No monthly maintenance charge{{d1108*}}
No minimum balance requirement
No minimum transaction requirement
No Cash Bonus
MyWay Banking
Our checkless account without the worry of overdraft fees.
MONTHLY MAINTENANCE CHARGE
$4.95/month or $0/month{{d1108*}} if requirements are met
WAIVE THE MONTHLY
MAINTENANCE CHARGE
$0/month{{d1108*}} with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment.
CHECKING ACCOUNT FEATURES
No overdraft fees{{d888*}}
Checkless account with M&T Debit Card
No monthly maintenance charge with just one transaction{{d1108*}}
Plus, even more benefits with M&T Bank @Work
Everyday banking made easy
- M&T Debit Card with Custom Card option{{d1313*}}
- Account access at more than 1,600 M&T ATMs
- M&T Online Banking and M&T Mobile Banking with Bill Pay
- 24-hour Automated Telephone Banking Service
Simple, smart money management
- Send money with Zelle® {{d5021*}}
- Mobile Check Deposit{{d610*}}
- Real‑time alerts (including low‑balance alerts{{d943*}}
- No fee for standard checks and 50% discount on other check styles
Real financial savings when it matters most
- $250 Mortgage closing cost discount{{d1533*}},{{d1534*}}
- Discounted personal loan rates{{d1533*}}
Plan confidently about the future
- Let us help you reach your financial goals with M&T Money smart
- Access to M&T’s Financial Education Center with resources on budgeting, credit, homeownership, retirement, and more.
M&T Financial Education
Understanding your personal finances is one of the most important investments you can make in life. What is your money management style? Do you save for a rainy day, or are you an impulsive spender?
M&T is here to help, no matter what your goals. Select a resource category to begin.
Learn about budgeting, tracking spending, and making informed decisions.
Chart your path by learning about setting goals and making informed decisions.
Gain valuable insights into fraud and security to help make confident, informed decisions.
Have questions?
Lorem ipsum
Lorem ipsum
Lorem ipsum
Let’s talk—our bankers can help you get started
Our experts are here for your questions.
Schedule an Appointment
Pick a time that fits your calendar to connect with our experts for your banking questions.
