Simplify how you manage your cards.
Easily manage your M&T debit and credit cards with tools designed to help keep your accounts secure.
Key Cardholder Tools
Activate your card
Easily activate your M&T card by calling the number on the sticker attached to your card when it arrives in the mail. Debit cardholders can also activate by using the card at an M&T ATM with the PIN.
Make a payment
Choose from multiple ways to make payments on your M&T card account.
Lock & unlock your card
Temporarily lock your card and unlock it instantly when you’re ready to use it.
Report a lost or stolen card
Quickly disable your card online and get a replacement if it’s lost or you suspect fraud.
Request a replacement card
Get a new card if yours is damaged or doesn't work - your card number will stay the same.
Digital Wallet
Add your M&T card to your preferred digital wallet for a faster, more secure checkout online and in stores.{{d942*}}
Smart security features for safer spending {{d564*}}
Feel confident using your M&T debit or credit card knowing that M&T Assurance® helps prevent, detect, and resolve fraud. With real-time monitoring and security features, we’re working around the clock to keep your card protected.
Visa Zero Liability Policy
Visa Secure
Expedited Card Replacement
M&T Alerts{{d943*}}
Contactless & Chip Technology
Real-Time Fraud Monitoring
Smart security features for safer spending {{d564*}}
Feel confident using your M&T debit or credit card knowing that M&T Assurance® helps prevent, detect, and resolve fraud. With real-time monitoring and security features, we’re working around the clock to keep your card protected.
Visa Zero Liability Policy
Visa Secure
Expedited Card Replacement
M&T Alerts{{d943*}}
Contactless & Chip Technology
Real-Time Fraud Monitoring
Track your rewards
With an M&T Visa® Signature Credit Card or M&T Visa® Credit Card with Rewards, you’ll earn points on every purchase.{{d1036*}} Redeem them your way, whenever you choose. Easily view and redeem your rewards through M&T Online or Mobile Banking, or call Rewards Customer Service at 1-866-579-2335.
Track your rewards
With an M&T Visa® Signature Credit Card or M&T Visa® Credit Card with Rewards, you’ll earn points on every purchase.{{d1036*}} Redeem them your way, whenever you choose. Easily view and redeem your rewards through M&T Online or Mobile Banking, or call Rewards Customer Service at 1-866-579-2335.
Make confident choices with clear financial insights
From learning the basics to managing tough times, find the tools you need to stay financially confident.
Financial Education Center
Boost your confidence in understanding your personal finances, set goals and prepare for the future.
Lending Calculator Library
M&T lending calculators are here to guide you along the way and help you determine which options are right for you.
Hardship Assistance
If you're experiencing hardship, there are many ways we might be able to help provide assistance.
Top questions, answered by our experts
Use your M&T Card at millions of locations worldwide, at your favorite online merchant, over the phone and for in-app purchases.
Online - Enroll in Online Banking and make transfers from your M&T checking or savings account.
By Phone - Call 1-866-279-0888 to make a payment or set up recurring payments.
In Person or at an ATM - Find an M&T branch or ATM to make a payment or set up recurring payments.
By Mail - Mail payments to: M&T Bank Credit Card Payment Processing PO Box 62014 Baltimore, MD 21264-2014
You can access your detailed transaction information online through M&T Online and Mobile Banking by calling the M&T Telephone Banking Center at 1-800-724-2440 or by reviewing your account statements. Each purchase is detailed on your monthly account statement with the transaction date, amount, merchant name and location.
You can access their M&T Rewards account by using M&T Online Banking or the M&T mobile app. You can also get information about your account and redeem by phone by calling the Rewards Customer Service Center at 1-866-579-2335.
If your card is lost or stolen, you should immediately report the incident through one of the methods below:
- Log in to Online Banking and select Report a Lost or Stolen Card from the Services Menu
- Log in to the M&T Mobile App, select Card Services from the Menu, and select Report a Lost or Stolen Card
- Call 1-800-724-1552
- Visit your local branch
You can set up a balance transfer in the “Credit Card Balance Transfer” page in your M&T Online Banking platform. Alternatively, you may visit a branch or call 1-866-279-0888 to set up a balance transfer.
We recommend that you notify us before any international travel, so your card access isn't interrupted. M&T Bank Alerts are available for your M&T card through M&T Online Banking. Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T card.
