M&T Debit Card

The M&T Debit Card helps make purchases faster and more convenient– whether it’s online, in person or on the phone.

New to M&T? Start by exploring our Checking Account options. Already banking with M&T? Learn how to activate your M&T Debit Card below.

Our Top M&T Debit Card Features and Services

Make purchases with ease anywhere debit or Visa© cards are accepted.

Tap to Pay Technology

Globally accepted chip and contactless technology.{{d964*}}

Digital Wallet App

Add your M&T card(s) for fast, easy checkout, online or in-store.{{d942*}}

Custom Card Designs

Personalize your card with your own or one of our images{{d67*}}—at no cost.

Keeping your information more secure.

Get added protection with multiple security programs and real-time alerts.

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M&T Assurance® helps prevent, detect, and resolve fraud.

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Visa© Zero Liability Policy{{d195*}} helps protect you against unauthorized use of your card.

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M&T Alerts send security alerts to your mobile device.{{d943*}}

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Lock/Unlock allows you to temporarily lock your card when you have misplaced it.


Customize your M&T Debit Card

Use your own image or choose one from our online design studio to create a unique card at no extra cost.{{d67*}}

Access the information you need with the quick links below.

When you receive your card in the mail, simply call the number shown on the sticker on the front of your card or activate it at an ATM. Once the card is activated, remove the sticker and sign the signature panel on the back of the card.

For your personal security, your M&T Debit Card does have limits. While these limits should not affect your average use of the card, there are cash withdrawal and purchase limits in place to prevent excessive usage if an unauthorized individual were to use your card. Please refer to the Electronic Banking Card and Telephone Transaction Disclosure and Agreement you received with your card for more information regarding these limits.​

Added benefit: if we notice that your card is being used more frequently than normal, we may request to speak to you at the time you are making a purchase, or we may call you to ensure that your card is not being used fraudulently.​

If you have a damaged card, and would like to get a replacement, you can:

  • Log in to Online Banking and select Order a Replacement Card from the Services Menu
  • Log in to the M&T Mobile App, select Card Services from the Menu, and select Order a Replacement Card
  • Call 1-800-724-2440
  • Visit your local branch​

When you make a purchase with an M&T Debit Card, the money is taken out of your linked M&T checking account. Follow the prompts on the terminal to complete your transaction. You may be asked to enter your PIN or sign for your purchase. Either way, you will not be charged a fee for purchases in the U.S.{{d305*}}

Use your M&T Debit Card​​ at millions of locations worldwide, at your favorite online merchant, over the phone and for in-app purchases.​

Move and manage your money online or on-the-go.

We want banking with us to be easy on you.

Access your accounts—anywhere.

Track purchases and transfer money with Online & Mobile Banking.{{d478*}}

Bank at your convenience.

Access your accounts at more than 2,000 M&T ATMs.

Cover your bills.

Use your card to pay for utilities, cable and other monthly expenses.