Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
The Monthly Service Fee of $14.95 can be waived by; Maintaining an average daily balance of $2,500 or more permonthly service charge cycle Having direct deposits to the account totaling at least $1,500 permonthly service charge cycle
$14.95
Annual Percentage Yield (APY)
The account earns 0.01% interest on all balances over $1.00.
0.01%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
M&T will reimburse the checking account(up to $2 per transaction) for the amount of any fee charged by another bank or ATM operator to use its ATMs
Yes
Surcharge-Free ATM Access
.
Yes
Non-affiliated ATM Usage Fee
There is no fee to use a non-affiliated ATM
$0.00
International ATM Usage Fee
The greater of $5.00 or 3% of the transaction amount
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android and BlackBerry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
Free
Email Alerts
This Email Alert feature allows you to track balances and transactions: Low Balance notices,Daily or Weekly balance updates, posted deposits. You will also receive warnings about account activity:--Security alerts, Debit card purchases by web/phone, Large withdrawals
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
$5.00/month
Online Statements
You can receive monthly statements electronically, but if you do, you will not receive statements by mail.
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $15.00 per overdraft.
$15.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $8.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Transfer fee of $8.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $8.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.
Available
About M&T Bank
With over 650 convenient branches located throughout New York, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia, Florida, Delaware and Toronto, Canada- plus free account access at over 2,000 M&T Bank ATMs-we're never far from where you live, work, shop and play. M&T is always adding new branches and expanding our ATM network. In fact, we've added more than 400 new ATM locations in just the past two years.
Plus, you can also use M&T's web, telephone and mobile banking services. Fast, easy and secure, you can bank wherever and whenever you want from your home, office or anywhere life takes you.