MyWay Banking | M&T Bank (2024)

Monthly Maintenance Charge

(each monthly service charge cycle)

$0/ month

With one or more transactions each monthly service charge cycle, such as a deposit, withdrawal, or any debit payment

OR

$4.95/ month

Monthly Maintenance Fee if requirements not met

Common Fees

Download our guide to learn more about M&T Personal Checking Accounts and Common Fees associated with this account.

Download Guide (PDF)

Account Features

• No Overdraft Fees
• Online and Mobile Bill Pay
• Send Money with Zelle
• Checkless Account
  
• M&T Debit Card​ withcustom card option
• Mobile Deposit
• Digital Walletpayment capability with apps like Apple Pay®, Google Pay™, Samsung Pay and Garmin^TM
• M&T Alert

​Regardless of whether a monthly maintenance charge applies, M&T checking accounts are subject to transaction and service fees, as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking Accounts, which are available on request at any M&T banking office or through M&T's Contact Center.

If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. In the case that your account is overdrawn, you will not be charged an overdraft fee. MyWay banking accounts are not eligible to be linked to an Overdraft Line of Credit.

M&T Online and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose.

U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.

Deposits are subject to verification. Funds not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except Federal Holidays.