Chase vs M&T Bank

Chase is a national bank with good promotions for new customers. How does it compare to M&T Bank? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While M&T Bank has 690 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. Select Promo CD offers high rates for terms up to 36 months with a $1,000 minimum opening deposit.

Compare Chase with M&T Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	M&T Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review	SPECIAL OFFER Personal Checking Account - $350 Bonus - Learn More Read M&T Bank Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.	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 of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	Terms from 32 days to 72 months. Minimum opening deposit $1,000.
Checking	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Mobile App	iOS & Android
ATMs	15,000+ Chase ATMs	More than 1,800 M&T Bank ATMs in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia.
Customer Service	Automated service available 24/7	Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET).
Locations	Over 4,700	700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Free checking option High APY for Promo CD Free savings with checking Cons: Fee heavy Subpar savings APY Limited branches
Bottom Line	National bank with good promotions for new customers... Read full review	Upper East Coast bank with free checking option and good promo CD rates... Read full review
	Visit Site	Learn More
	Chase First Banking Referral Program - Up to $500 Bonus	Personal Checking Account - $350 Bonus Personal Checking Account - $200 Bonus Personal Checking Account - $150 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 08/26/2025. M&T Bank: Pricing information from published website as of 09/14/2025 based on 14203 zip code

Which is Better: Chase or M&T Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

In short: Chase's mobile app is impressive.

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Articles on M&T Bank

M&T Bank Review

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