M&T Bank : How a Debit Card Works
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How a Debit Card Works. Request CardCustomer handing M&T debit card to a sales clerk

An M&T Debit Card is a safe, convenient way to pay for everyday purchases.
When you use an M&T Debit Card, you’ll have convenient access to your money – so there's no need to write checks or fumble for change during a purchase or make frequent trips to the ATM. This is because an M&T Debit Card (also known as a check card) can function in two ways: like a check to make purchases, or like an ATM card for cash withdrawals.

In addition, all M&T Debit Cards feature a Visa® logo which enables you to use the card anywhere Visa® debit cards are accepted – at millions of places worldwide.

When you make a purchase with an M&T Debit Card, the cashier or the card reader will ask whether you want to use your card as “debit” or “credit”. Either way, the money is deducted from your M&T checking account.*

Debit or Credit?

  • DEBIT – If you use the card as “debit,” you enter your personal identification number (PIN) to authorize the transaction and the payment is processed through a PIN network. You may also have the option at participating merchants to get cash back when you make a debit purchase, similar to accessing an ATM. Regardless, the money is deducted from your M&T checking account.*
  • CREDIT – If you use the card as “credit,” you simply sign for your purchase (like a credit card) instead of entering your PIN, and the payment is processed through the Visa network. It is important to understand that when using the card as “credit” it does not actually draw money from a credit card line of credit, but rather the money is deducted from your M&T checking account.*

With an M&T Debit Card, you can pay for everyday purchases – no purchase is too small – including:

  • Fast food
  • Groceries
  • Gas and automotive services
  • Movie tickets
  • Dining
  • Retail merchandise
  • Prescriptions
  • Internet/online purchases
  • Phone orders
  • and more!

Need help?

*If there is not enough money available in your checking account for the purchase and you have signed up for an optional M&T Overdraft Protection Plan, funds needed to cover your purchase may be paid under the terms of your M&T Overdraft Protection Plan. Overdraft protection is available either through a link to an M&T savings account, M&T Visa® Credit Card or M&T Overdraft Line of Credit. Overdraft Line of Credit and M&T Visa® Credit Card subject to credit approval. Fees apply for the use of overdraft services.

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, its features and terms are subject to change at any time in accordance with applicable laws and agreements.

 
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