Minimum Opening DepositA $25.00 deposit is required to open this account.
Monthly Service FeeThe Monthly Service Fee of $24.95 can be waived by doing one of the following: - Maintaining an average daily balance of $7,500.00; - Maintaining an combined average daily balance of $25,000.00 in personal deposit accounts, loans and home equity outstanding balances.
Annual Percentage Yield (APY) The account earns 0.01% interest for balances over $1.00. 0.03% at $50,000.00 0.05% at $100,000.00
up to 0.05%
Debit Cards & Using ATMs
ATM Fee ReimbursementsM&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
Surcharge-Free ATM Access
Non-affiliated ATM Usage Fee
International ATM Usage FeeThe greater of $5.00 or 3% of the transaction amount
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text BankingThis 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.
Deposit Checks with Mobile Phone
Email AlertsThis 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
Checks & Statements
Unlimited Check Writing
Free or Discounted ChecksNo fee for Standard Checks and 50% discount on additional check orders & styles
Monthly Paper Statements
Check Images with Statements
Online StatementsYou can receive monthly statements electronically, but if you do, you will not receive statements by mail.
Online Check ImagesImages of canceled checks can be viewed online.
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.