Paying your mortgage
is easy.

Access your account and pay anytime,
from any device.

Make your payments work for you.

How to Make a Payment

Learn about our convenient payment options, get answers to frequently asked questions and explore ways to avoid late fees.

Understanding Your Payment

Learn about the components that make up your mortgage payment and how they affect the amount you pay.

Flexible Payment Plan

Choose an automatic monthly withdrawal option to match your schedule. 

Additional Resources

  • Online Mortgage Information - Learn how to make a payment in My Mortgage Info. Once there, you can request documents like payoff statements, amortization schedules, and more. 
  • Sign Up for Automatic Payments - Your M&T mortgage can be paid by automatic withdrawal from your savings or checking account.

Have questions? We're here to help.

You can make your mortgage payments in the following ways:

Online Payments. Visit If you haven’t already created a User ID and Passcode, you will need to do so by selecting “Enroll Now.” Learn more about how to enroll in online banking (PDF).

Note: you do not need an M&T Bank checking or savings account to make an online payment–you can use a checking or savings account at any financial institution. If you are already enrolled in M&T Online Banking, click the 'Pay Now' button above.

Payments by Mail. P.O. Box 62182, Baltimore, MD 21264-2182. Be sure to include your coupon with your first payment to M&T. If you’ve misplaced your coupon, write your new M&T mortgage account number on your check. Payments should be made payable to M&T Bank

Automatic Deduction. You can automatically deduct your mortgage payment from the account of your choice through M&T by visiting To enroll in non-monthly deductions, follow the instructions at

Pay-by-Phone: 1-866-241-6014

Other Payment Options:  Pay in-person at any M&T branch

Visit our How To Make a Payment page for more information.

You can sign up for automatic deduction of your mortgage payments using M&T Online Banking. Log in, navigate to your mortgage account information, select “View My Mortgage Info,” select the Payments section in the top navigation bar, and then choose Auto Draft Payment.

Yes, you can cancel your automatic payments in a variety of ways:

1. If you’re enrolled in monthly automatic payments, log in to M&T Online Banking to cancel online or call us at 1-800-724-2224

2. If you’re enrolled in the Flexible Payment Program, call us at 1-800-724-2224

3. If you’re enrolled with an online or third-party bill pay provider, please reach out to that provider to cancel the service

Note: If you choose to call us to cancel this service, you’ll need to call no later than three business days prior to the scheduled deduction.

A late fee will not be charged if the payment is received the next business day after the weekend or holiday.

Online payments may take 24 – 48 hours to be deducted from your account, but will post to your mortgage same day. Please allow 24 hours for your payment to be visible on your mortgage account

Phone payments may take up to 48 hours to deduct from your account, but will be posted to your mortgage same day. Please allow 24 hours for your payment to be visible on your mortgage account

Automatic payments will be deducted from your account on the designated deduction date. Please allow 24 hours for your payment to be visible on your mortgage account


Take comfort with repayment options.

M&T offers a number of assistance programs across certain mortgages to help you keep up with your payments. Let’s work together to find the right solution for you.

Reassurance when you need it most.

M&T Bank is committed to assisting our customers
impacted by hurricanes, tornadoes,
severe storms and flooding. 

 If you have experienced property damage
resulting in an Insurance
Claim, learn more here.

The M&T servicing team is happy to assist you.

Still have questions?

Have a question about your existing M&T mortgage? Let us know and we'll get back to you as soon as possible.

All lending products are subject to credit and property approval. Certain conditions and restrictions apply. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense compared with your current situation. Products are not available in all states.
This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate. If you choose to apply for a mortgage loan, you will need to complete our standard application. Our consideration for approval of your mortgage loan application will include verification of the information obtained in connection with your request, including but not limited to income, employment, asset, property value and/or credit information. Our loan programs are subject to change or discontinuation at any time without notice. Not all products are available in all states. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense. Interest rates are subject to change without notice.