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M&T Bank vs Chase

M&T Bank is an upper East Coast bank with free checking option and good promo CD rates. How does it compare to Chase? Read our comparison chart below.

 Chase
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M&T Bank

Chase

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Benefits and Features

Stock Trading 
Savings0.02% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings accountChase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked 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.
CD0.10% APY. Terms of 24 months. Minimum opening deposit $1,000.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking Chase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
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 $250,000 on deposit with Chase.
Money MarketM&T MyChoice Money Market account Regular rate of 0.03% - 0.10% APY, Premium rate of 0.03% - 0.10% APY for qualifying customers. 
Customer ServiceMon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). 
ATMsMore than 1,800 M&T Bank ATMs in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia. 
Locations690 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida 
 

CreditDonkey® Reviews

 Chase
Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • Free checking option
  • High APY for Promo CD
  • Free savings with checking
Cons:
  • Fee heavy
  • Subpar savings APY
  • Limited branches
Pros:
  • Nearly 4,900 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineUpper East Coast bank with free checking option and good promo CD rates... Read full reviewNational bank with good promotions for new customers... Read full review
 Learn MoreVisit Site

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 09/21/2020 based on 14203 zip code

Chase: Pricing information from published website as of 07/02/2020

Which is Better: M&T Bank or Chase?

Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing M&T Bank or CIT Bank.

In short: Chase's mobile app is impressive.


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