M&T Bank : What you should know when making a deposit
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When you make a deposit into your checking account, you may want to use that money right away to get cash, write checks or make a purchase.  But as is the case at other banks, how quickly you can access the money you’ve deposited into your M&T checking account depends on a number of factors.

What you should know when making a deposit:Deposit Image

Details icon    Details When you make a deposit, 
    how quickly can you can access the 
              funds depends on the type of deposit 
              (cash, check, or electronic direct 
              deposit, etc.), whether you make a 
              deposit at a branch or ATM and 
              even the time of day. Remember: 
              How, When, Where, and What type of 
              deposit you make will impact when 
              funds become available for use.

Direct Deposit IconDirect Deposit Use direct deposit whenever possible - funds from an electronic direct deposit are available for your use on the same business day 
              that we receive the deposit.

Web Banking Icon  Online Banking Look at your deposit on M&T Online Banking. When you
  click on the deposit in your transaction history, you will see when the deposit
              will be available to you.

Information Icon    For specific information about when funds from deposits become available for 
    use, talk to a branch representative today.

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