The Digital Services Agreement ("Agreement"), which governs your use of M&T Digital Services, including M&T Mobile and Online Banking, has been updated.

Please see the summary of changes below. Please read the entire Agreement carefully and review the updated Digital Services Agreement as the summary does not cover all changes in detail.

Section B.1.a (Internal Transfers and M&T Loan Payments from External Accounts (Enrollment and General Information)): This section was updated to clarify that if you use the service to make a payment on an eligible M&T loan you authorize M&T to apply the specified payment amount toward the total amount due on the loan.  

Section B.5.c (M&T Online and Mobile Bill Pay (Limitations on Payments)): This section was updated to reinforce that we do not recommend using M&T Online and Mobile Bill Pay to make payments to taxing authorities, government entities or as required by a court order.

Section C.3. (Bank to Bank Transfers (Personal Accounts) (Reliance on your Instructions)): This section was updated to remove the connection between M&T Bank to Bank Transfers and M&T Money Smart. 

Section C.6. (Bank to Bank Transfers (Personal Accounts) (Verification of Identity and Account Ownership)): This section was updated to notify you that your use of Bank to Bank Transfers will be subject to third-party terms for verification of an External Account.  

Section K. (M&T Money Smart Service): This section sets forth the revised terms and conditions for the M&T Money Smart service.  

Section M.11. (General Provisions for Digital Services (Electronic Messaging)): This section was updated to specify that if your eligible account is subject to New York state law, you affirm that each email address you provide us is not owned or provided by your employer.

Your continued use of M&T Digital Services confirms your agreement and the agreement of any Customer you represent as Company Administrator, Authorized User, or any other fiduciary role based on the Eligible Accounts linked to your Online Banking profile, with these changes, so no further action is required at this time. If you choose to not accept these changes, please contact us to unenroll.

To see the M&T Digital Services Agreement, please click on the following link: M&T Digital Services Agreement. If you have questions or wish to unenroll, please call 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).