M&T Assurance®

Use your M&T Credit or Debit Card with confidence. We're working around the clock to help prevent, detect and resolve card fraud.

Rest assured with M&T Assurance.® 

Have peace of mind using your M&T Debit Card or M&T Credit Card in person, online, in-app, and over the phone knowing you're covered with M&T Assurance® to help prevent, detect and resolve card fraud. 

Your M&T Debit and Credit Cards are safer than carrying cash. 


  • A 3-Digit SecurityCode on the back of your card helps provide Internet and phone security by helping to verify you’re in possession of your card.
  • Visa Secure helps to confirm your identity when shopping online at participating merchants.
  • Contactless and Chip Technology encrypts card member information into a unique code.


  • Real-Time Fraud Monitoring screens your account 24/7 to help you detect suspicious card activity outside your normal purchasing pattern.
  • M&T Alerts security notifications delivered to you via text message with the ability to respond quickly, as well as automatic email alerts when potentially suspicious activity occurs or your PIN is changed.


  • Visa Zero Liability Policy helps protect you against unauthorized use of your card.
  • Expedited Card Replacement gives you the option to get lost or stolen cards replaced quickly – in most cases, by the next business day.

So whether it’s a bite to eat, groceries, gas or a cup of coffee, reach for your M&T Debit or Credit Card. You can rest easy knowing we’re working to defend against card fraud with M&T Assurance®.

Need help?

For more information on reporting your card lost or stolen, or replacing a damaged card, visit Replace or Report a Stolen M&T Card

M&T Bank Alerts are available for your M&T Card through M&T Online Banking (not available for Business Debit Cards). Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply. 
The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. See your cardholder agreement for more details.
Rush delivery available upon request. Timing depends upon when order is received and where shipped. Fees may apply, please see an M&T representative for details.
Visa® is a registered trademark of Visa International Service Association.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.