MyChoice Premium Checking

Our best account with the most premium features and benefits, for those customers that want all the elite perks we have to offer.
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Monthly Maintenance Charge: $0 or $24.95

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Monthly Maintenance Charge

(each monthly service charge cycle)

$0 / month

with an average daily balance of $7,500 or more per monthly service charge cycle or combined average daily balances of $25,000 or more in eligible accounts,

OR

$24.95 / month

Monthly Maintenance Charge if requirements not met

Common Fees

Download our guide to learn more about M&T Personal Checking Accounts and Common Fees associated with this account.

Download Guide (PDF)

Account Features

  • No Fee at non-M&T ATMs & Rebates of Other Banks' ATM Fees,
  • Free Standard Check Orders
  • No fee for overdraft protection transfers
  • Safe deposit box discount
  • No M&T fee for incoming foreign and domestic wire transfers
  • Special deposit interest rates
  • Interest-bearing
  • Discounted Personal Loan Rates
  • Zelle®
  • M&T Debit Card with custom card option​
  • M&T Online & Mobile Banking​
  • Mobile Deposit
  • Digital Wallet payment capability with apps like Apple Pay®, Google Pay™, Samsung Pay, GarminTM and Fitbit PayTM
  • M&T Alerts
Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including overdraft fees as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking/Savings Accounts, which are available on request at any M&T banking office or through M&T's Contact Center.
Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including overdraft fees as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking/Savings Accounts, which are available on request at any M&T banking office or through M&T's Contact Center.
Maintain combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments, and business deposit accounts.  For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through M&T's Contact Center.
M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, DC. 
M&T will reimburse the checking account (up to $2 per transaction) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, DC.
Fees and account features will vary by region.
No fee for standard checks and 50% discount on other check styles.
You must have enough funds or credit available in your linked account for the transfer to occur. Overdraft Line of Credit and M&T Visa Credit Card are subject to credit approval. Fees may apply for the use of overdraft protection services. See your line of credit, credit card, or deposit account agreement for complete details.
Waiver of annual rental fee of $50 or less for one safe deposit box or 50% discount on the annual rental fee for one safe deposit box with a fee of more than $50 (up to a maximum discount of $200). Location of safe deposit boxes subject to availability.
 Loans are subject to credit approval and certain restrictions may apply.
U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.
Deposits are subject to verification. Funds 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. 

Open a MyChoice Premium Checking Account

What you’ll need to open this account:

  • $25 minimum opening balance
  • You must be at least 18 years of age
Open Account

Compare Checking Accounts

Compare other M&T Checking accounts to see what account fits you best.

View All Checking Accounts

 

Account Interest Rates

Interest is compounded daily and paid monthly.

The interest rates and Annual Percentage Yields (APYs) shown are the current rates for new accounts only and the rates may change at any time. This is a variable-rate account and the rate may change after the account is opened. All interest rates by balance amounts and APYs stated are accurate as of today's date. Fees could reduce earnings on the account. 

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Balance

Interest Rate

APY

Other Standard Features

M&T Online and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose.
You must have enough funds or credit available in your linked account for the transfer to occur. Overdraft Line of Credit and M&T Visa Credit Card are subject to credit approval. Fees may apply for the use of overdraft protection services. See your line of credit, credit card, or deposit account agreement for complete details.
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 details.
Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. 
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
​Android, Google and Google Pay are trademarks of Google LLC.
M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, Samsung Electronics Co., Ltd. or Garmin Ltd.
Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.
All checking accounts require a minimum $25 opening deposit. All M&T checking accounts are subject to M&T standard account agreements.