MyChoice Premium Checking

PREMIUM FEATURES & BENEFITS

Our best account with the most premium features and benefits, for those customers that want all the elite perks we have to offer.

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Premium Banking, Premium Perks.

Get more from a personalized relationship when you open a new MyChoice Premium Checking account.

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Special Deposit Interest Rate

Save and earn more when you open a Select CD{{d1026*}} - available with an M&T MyChoice Premium Checking account.

A CD (a Certificate of Deposit) is sometimes called a Time Deposit.

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Discounted Loan Rates

Access money you want for any project or event with discounted personal loan rates. {{d286*}}

 

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No-fee ATM Access and Rebates

No fee at non-M&T ATMs. & Rebates of other Banks' ATM fees {{d497*}},{{d496*}}.

 

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Earn More with Interest

Gain interest on your balance with a MyChoice Premium Checking account{{d1181*}}

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Safe Desposit Box Discount

Waive the annual rental for one safe deposit box {{d197*}}

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Overdraft Protection

No fee for overdraft protection transfers{{d142*}}

Monthly Maintenance Charge

$24.95/month

OR

$0/month if you maintain an average daily balance of $7,500 or more per monthly service charge cycle OR keep total combined daily average balances of $25,000 or more in eligible accounts{{d832*}}, {{d526*}}

Common Fees

Download our guide to learn more about M&T Personal Checking Accounts and Common Fees associated with this account.

Download Guide (PDF)

Access your account anytime, anywhere

Designed to make managing - and spending - your money more convenient.

Online & Mobile Banking

Use online bill pay{{d685*}} and Zelle®{{d487*}} to make payments on the go.

Digital Wallet

Contactless checkout with digital wallet lets you pay on the go with apps like Apple Pay®, Google Pay™, Samsung Pay and Garmin™

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Mobile Check Deposit

Deposit your checks with the ease of taking a picture{{d391*}}
 

M&T Alerts

Be the first to know in the event of unexpected activity or a low account balance.

Banking built with you in mind.

FEATURES WITH EVERY M&T CHECKING ACCOUNT


Enjoy peace of mind with M&T Assurance®  —  around the clock help to prevent, detect and resolve card fraud.


FDIC-insured up to maximum limits


Custom debit card designs at no additional fee.{{d941*}}


Contactless checkout with digital wallet lets you pay on the go with apps like Apple Pay®, Google Pay™, Samsung Pay and Garmin™ and Fitbit Pay™


Visit one of 900+ branches and 2,000 ATMs to access your money


Open Account

Open a checking account in less than 10 minutes.

In person or online, get started in just a few steps.

Choose a checking account.

Ready to get started? You’ll need a $25 minimum opening balance. You must be 18 years or older to open any of our account options.

Apply online or in person.

If you need help, your local branch can offer support. Once an account has been created, you'll receive a confirmation email. 

Start enjoying the benefits.

You'll have the option to enroll in online banking after confirming your account. Your M&T Debit/ATM card will arrive in 7-10 business days.

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Account Interest Rates

Interest is compounded daily and paid monthly.

The interest rates and Annual Percentage Yields (APYs) shown are the current rates for new accounts only and the rates may change at any time. This is a variable-rate account and the rate may change after the account is opened. All interest rates by balance amounts and APYs stated are accurate as of . Fees could reduce earnings on the account.

Balance

Interest Rate

APY

$1.00 - $1,000,000

0.01%

0.01%

Top questions, answered by our experts.

You must be 18 years or older and a U.S. Citizen to apply. You can open a checking account in less than 10 minutes.  Select the checking options that matter most to you and decide if you'd like to apply online or in branch. You can apply online for any checking account type above on this page or schedule an appointment with your local branch for in-person support. Once a checking account has been created, you'll receive a confirmation email and will have the option to enroll in online banking. 

Yes, absolutely! You can open an checking account in less than 10 minutes online. Simply compare checking account types to determine which one best aligns with your individual needs and financial goals then complete the online application.

​To open an individual account in your name only, you will need (1) a valid U.S. driver's license or U.S. non-driver’s ID and (2) a valid U.S. Social Security number and you must be at least 18 years of age. If you are applying for a joint account, (1) the primary applicant must be at least 18 years of age and the co-applicant must be 16 years of age or older and (2) both joint applicants must have a valid U.S. driver's license or U.S. non-driver’s ID and a valid U.S. Social Security number. You will be required to provide this information, along with a U.S mailing address. If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, you will not be able to open an account online.

After you have completed the application, a confirmation e-mail will be sent to the email address you provided during the application process. You will also need to print, sign and return your signature card to M&T. If you have decided to mail a paper check to M&T for your opening deposit, you must mail your check, along with your signed signature card, to the M&T address provided on the signature card. Your M&T Debit/ATM card will arrive by mail within 7-10 business days. The card must be activated by phone or M&T ATM with your PIN before using.

No, not all checking accounts have minium balance requirements. However, you may receive additional benefits for maintaining specified average balances in your checking account, depending on the account type you choose. All checking accounts require a minimum $25 opening deposit. Compare checking accounts to better understand which one best aligns with your individual needs and goals.

Yes! Both online banking and M&T Bank's mobile banking app are great ways to help manage your accounts while on the go. You can enroll at no cost, and they come with additional beneifits and conveniences such as transaction alerts, Zelle®{{d487*}}, and Bill Pay{{d685*}} to name a few.

  • You can pay bills or businesses using Online Bill Pay, ACH, wire transfers, or using a debit card. Online Bill Pay makes it easy to pay bills; use it to pay almost anyone you'd normally pay by check. You maintain control, determining when and how much to pay. Best of all, there is no charge for Bill Pay{{d685*}}
  • We also offer additional payment options. For example, cashier's checks are available for a fee in your local M&T branch.
  • When giving your account number and routing number to a business for payments from your MyChoice Premium Checking account, ensure the business does ACH (Automated Clearing House) as the payment. If a check is utilized instead of an electronic transaction through the ACH, the check will be returned and not paid. You may also be charged a fee by the business. Keep in mind you can use your debit card number instead or pay them through Bill Pay.

You can send money to friends or family using Online Bill Pay{{d685*}} or Zelle{{d487*}}. Online Bill Pay isn't just for paying your bills; you can easily make a payment to an individual one time, or set up a recurring payment. Zelle allows you to quickly pay back family and friends{{d487*}}. Log into the M&T Mobile Banking app or in Online Banking and select Send Money with Zelle to enroll.

Every checking account has something different to offer.

View the benefits and features side by side to easily choose the checking account that works best for you.

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