How to Pay your M&T Loan, Line or Credit Card
Choose the most convenient way to make your payment.
Personal Loans (unsecured, cash-secured, auto, boat or RV loans)
Online: Log in to your M&T Online or Mobile Banking to set up one-time or recurring transfers from your M&T checking or savings account. Not enrolled? It's easy to sign up.
You can also make a one-time payment from a non-M&T checking or savings account. Explore our interactive demo below to learn the step-by-step details.
By Phone: Call 1-877-686-8424 to speak to a representative to set up automatic recurring payments.
In Person: Stop into any M&T branch and we can help you set up one-time or automatic recurring payments.
ATM: You can also stop by any M&T ATM to make a one-time payment.
By Mail:
- Monthly payment or account payoff by regular mail:
M&T Bank
P.O. Box 64679
Baltimore, MD 21264-4679 - Overnight a monthly payment or account payoff:
M&T Bank
1800 Washington Blvd., 8th Floor
Box #64679
Baltimore, MD 21230 - Principal-only payment:
Complete the Principal-Only Payment form and mail it in with your check to:
M&T RLS – Principal-Only Payments
P.O. Box 69719
Baltimore, Maryland 21264-9719
Please make sure to include the completed Principal-Only Payment form with your check. Principal-only payments can only be made via mail at this time.
Take a look at this helpful infograph (PDF) to learn more about how your M&T personal loan payment and interest are calculated.
M&T CHOICEquity (Home Equity Line of Credit) and Overdraft Line of Credit
Online. Log in to your M&T Online or Mobile Banking to set up recurring transfers from your M&T checking or savings account.
By Phone. Call the following numbers to make a one-time payment with our automated payment assistance system. Speak to a representative to set up automatic recurring payments.
- M&T CHOICEquity: 1-800-724-6444
- Overdraft Line of Credit: 1-800-724-2440
In Person. Stop into any M&T branch and we can help you set up one-time or automatic recurring payments.
By Mail.
- Monthly payment by regular mail:
M&T Bank, PO Box 62146, Baltimore MD 21264-2146 - Account payoff or to overnight a monthly payment:
M&T Bank, 499 Mitchell Street, Millsboro, DE 19966
Still have questions? Learn more about how your M&T CHOICEquity payment works.
Personal Credit Cards
Online: Log in to your M&T Online or Mobile Banking to set up one-time or recurring transfers from your M&T checking or savings account. Not enrolled? It's easy to sign up.
Explore our interactive demo to learn how to make one-time payments from your M&T checking and savings account.
By Phone: Call 1-877-686-8424 to make a one-time payment with our automated payment assistance system. Speak to a representative to set up automatic recurring payments.
In Person: Stop into any M&T branch and we can help you set up one-time or automatic recurring payments.
ATM: You can also stop by any M&T ATM to make a one-time payment.
By Mail:
M&T Bank
Credit Card Payment Processing
PO Box 62014
Baltimore, MD 21264-2014
Resources
Financial Education Center
We have the resources and tools you need to help you make the right choice for your goals.
Manage Your Cards
Take charge of your card with M&T's self-service tools. With our built in security features, it’s the convenient way to stay in control and help keep your card account secure.
Automatic Recurring Payments
To ensure the right amount is paid on the due day, complete an authorization form to set up a monthly automatic recurring payment at our contact center or in branch.
Repayment Assistance Options
If you’re experiencing hardship, there are many ways we might be able to help provide assistance.
