M&T Bank Promotions
Personal Checking Account - $200 Bonus
Open a new M&T MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Personal Checking Account - $150 Bonus
Open a new M&T MyChoice Plus Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Personal Checking Account - $100 Bonus
Open a new M&T EZChoice Checking Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Business Checking Account - $1,500 Bonus
Open a new Business Essential Checking, Business Plus Checking, or Business Premium Checking account. Use promo code BD at account opening. Maintain an average ledger balance of $100,000 or more in the third full calendar month after opening the account.
Business Checking Account - $750 Bonus
Open a new Business Essential Checking, Business Plus Checking, or Business Premium Checking account. Use promo code BD at account opening. Maintain an average ledger balance of $30,000 - $99,999.99 in the third full calendar month after opening the account.
Business Checking Account - $500 Bonus
Open a new Business Essential Checking, Business Plus Checking, or Business Premium Checking account. Use promo code BD at account opening. Maintain an average ledger balance of $15,000 - $29,999.99 in the third full calendar month after opening the account.
Personal Checking Account - $350 Bonus
Open a new MyChoice Premium Checking account. Use promo code at account opening. Obtain promo code from offer page. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
Business Checking Account - $300 Bonus
Open a new Business Essential Checking, Business Plus Checking, or Business Premium Checking account. Use promo code BD at account opening. Maintain an average ledger balance of $5,000 - $14,999.99 in the third full calendar month after opening the account.
Referral Program - Up to $500 Bonus
Earn a $50 Visa® Reward Card for every referral who successfully opens an eligible account, and completes all qualifying requirements. Earn up to $500 in referral rewards per calendar year.
Compare Promotions
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
CIT Bank Platinum Savings - 4.10% APY Boost
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Key Select Checking® - $500 Bonus
- Open a Key Select Checking® account online by May 22, 2026.
- Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
HSBC Premier - Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
M&T Bank Offers You May Have Missed
Don't miss another hot deal. Check back often at CreditDonkey.
6-Month CD - 3.25% APY
APY is for ZIP code 08004. The APY may vary by location.
6-Month CD - 3.00% APY
APY is for ZIP code 14203. The APY may vary by location.
Personal Checking Account - $150 Cash Bonus
Earn $150 when you open any personal checking account with M&T and make at least $500 in qualifying direct deposits within 90 days of account opening. Bonus will be awarded within 90 days after the requirement is met. There is a $50 close-out fee if you close the account within 180 days of account opening. Available to residents of NY, NJ, CT, PA, MD, DE, VA, and WV.
Personal Checking Account - Up to $200 Bonus
Open a new M&T EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Personal Checking Account - $500 Bonus
Open a new MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account. Use promo code TO at account opening. Make a total of at least $1,000 in qualifying direct deposits within 90 days of account opening.
Personal Checking Account - $500 Bonus
Open a new MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account. Use promo code TU at account opening. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Personal Checking Account - $400 Bonus
Open a new MyChoice Premium Checking account. Use promo code TY at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
Personal Checking Account - $500 Bonus
Open a new M&T MyChoice Plus or Premium Checking account. Use promo code TV at account opening. Make a total of at least $1,000 in qualifying direct deposits within 90 days of account opening.
Personal Checking Account - $400 Bonus
Open a new MyChoice Premium Checking account. Use promo code TJ at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
Personal Checking Account - $350 Bonus
Open a new MyChoice Premium Checking account. Use promo code at account opening. Obtain promo code from offer page. Maintain an average monthly balance of at least $10,000 in June and July 2024.
M&T Bank has over 960 branches serving the Upper East Coast and Florida. Offers a no-fee checking, as well as interest checking but with heavier requirements to waive service fees.
M&T Bank Promotions
M&T Bank frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select States, so make sure you read the fine print carefully.
All M&T Bank checking accounts offer free online banking, bill pay, and mobile deposits. There are over 1,600 ATMS.
Special Checking Account Features
M&T checking accounts come with these features:
- Overdraft Protection. To protect your checking account from overdrafts, you can link a M&T savings account, credit card, or Overdraft Line of Credit. Funds will automatically be transferred to cover the overdraft. There is a transfer fee (though it's a lot less than the overdraft fee) and an interest rate will apply if you're using credit. You must enroll in this protection plan.
- Free custom debit card. You can design your own customized debit card free of charge. You can upload your own photo for the card background. You can also choose to have a photo of yourself in the upper-righthand corner for added security.
- Free savings account. You can open a Relationship Savings account with any checking account for no extra monthly service fee. This account can be used for overdraft protection.
- Send money with Zelle. Easily send money to anyone with just a U.S. phone number or U.S. email address.
What to Open at M&T Bank
- 6-month or 12-month CD. M&T offers a great rate for their Select Promo CDs of 6-month or 12-month term. The minimum to open is $1,000. This opening deposit cannot be money already on deposit at M&T Bank.
- EZChoice Checking. This is M&T's free checking option. It has no monthly service fee or minimum balance requirements.
How to Avoid M&T Bank Checking Account Fees
- EZChoice Checking. This account has no monthly service fee or minimum balance requirements.
- MyChoice Plus Checking. The $14.95 monthly fee can be waived if you: maintain an average daily balance of at least $2,500, OR have combined direct deposits of at least $1,500 per statement cycle.
If you're in certain New Jersey regions, the requirements to waive the fee are lower. You must maintain a $500 average daily balance, or have $500 in direct deposits per cycle, or else the monthly service fee is $4.95.
- MyChoice Premium Checking. The $24.95 monthly fee can be waived if you: maintain an average daily balance of at least $7,500, OR have a combined balance of at least $25,000 in deposit accounts, loans and home equity outstanding balances, and investments and business deposit accounts.
- Basic Banking. This account has no minimum balance requirements, but the $3 monthly fee cannot be waived.
Highlights
0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account
Terms from 32 days to 120 months. Minimum opening deposit $1,000.
More than 1,800 M&T Bank ATMs in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia.
Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET).
960+ bank branches located throughout Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia.
Pricing information from published website as of 05/08/2026 based on 14203 zip code
| ||
| Learn More | Learn More | |
M&T Bank | Chase | |
|---|---|---|
Benefits and Features | ||
| Savings | 0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account |
|
| CD | Terms from 32 days to 120 months. Minimum opening deposit $1,000. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking |
| |
| Mobile App | ||
| ATMs | More than 1,800 M&T Bank ATMs in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | |
| Customer Service | Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). | Automated service available 24/7 |
| Locations | 960+ bank branches located throughout Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. M&T Bank: Pricing information from published website as of 05/08/2026 based on 14203 zip code Chase: Pricing information and data points from published website as of 04/28/2026. | ||
M&T Bank Alternatives
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by May 22, 2026.
- Make the minimum opening deposit of $10 and a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
CIT Bank Platinum Savings - 3.75% APY
- 3.75% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 2.68% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
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