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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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.

Fraud Prevention

  • 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.

Fraud Detection

  • Real-Time Fraud Monitoring screens your account 24/7 to help you detect suspicious card activity outside your normal purchasing pattern.
  • M&T Alerts{{d70*}} 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.

Fraud Resolution

  • Visa Zero Liability Policy{{d195*}} helps protect you against unauthorized use of your card.
  • Expedited Card Replacement{{d84*}} 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®.

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