M&T Bank : M&T Credit Card Security Features
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M&T Visa® Credit Card Security Features
Gain peace of mind with extra security protection.

Have peace of mind using your M&T Visa Credit Card in stores, on the web and over the phone knowing your card is protected by multiple layers of security from M&T Bank and Visa. You can feel confident about safety when you use your card knowing we are continuously working to prevent, detect and resolve unauthorized use:

M&T and Visa take proactive steps to ensure that your information isn’t used fraudulently, online or off.

  • Verified by Visa®
    Activating Verified by Visa gives your online transactions an extra layer of protection by allowing you to select a personal password that confirms your identity at the checkout of participating merchants.
  • 3-Digit Security Code
    If you make a purchase by phone or online, the code on the back of your M&T Visa Credit Card helps to confirm that the card is in your physical possession.

Visa’s best-in-class systems detect fraud in real time, while you’re shopping, so that action can be taken right away to minimize the impact.

  • Real Time Fraud Monitoring 
    Visa uses sophisticated behavioral profile models to continuously monitor our network for disruptions in typical spending patterns so we can identify and respond to fraudulent activity immediately.

You’re covered in the event your card information is used to commit fraud. We’ll help you regain control of your account and safeguard it for the future.

  • Visa Zero Liability Policy1
    You’re protected against losses resulting from unauthorized use of your card whether the transaction occurs online or off.

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1 Covers U.S. issued cards only. Visa Zero Liability Policy does not apply to ATM transactions or PIN transactions not processed by Visa. May not apply in other situations based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use and transaction at issue must be posted to your account before provisional credit may be issued. See your credit card agreement for more details.

M&T Visa Credit Card Agreement.

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