M&T Bank Promotions
Read our in-depth review of M&T Bank to see why M&T Bank scored 3.4 stars out of 5. We like their free checking option, high apy for promo cd, and free savings with checking.
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.
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.
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.
Compare Promotions
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer 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 07/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- 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.
High-Yield Savings Account - 4.32% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- 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*
- Help 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.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by October 17, 2025.
- Make the minimum opening deposit of $10, plus a total of $1,000 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.
M&T Bank Trending Offers
| Yesterday | Personal Checking Account - $100 Bonus selected by a visitor from Ohio |
| 3 days ago | Personal Checking Account - $200 Bonus selected by a visitor from Pennsylvania |
| 6 days ago | Personal Checking Account - $150 Bonus selected by a visitor from Maryland |
| 9 days ago | Personal Checking Account - $350 Bonus selected by a visitor from Florida |
| 3/27/2025 | 6-Month CD - 3.66% APY selected by a visitor from New York |
M&T Bank Offers You May Have Missed
Don't miss another hot deal. Check back often at CreditDonkey.
M&T Tailored Business Checking Account - $300 Bonus
Open a new M&T Tailored Business 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.
M&T Tailored Business Checking Account - $500 Bonus
Open a new M&T Tailored Business 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.
M&T Tailored Business Checking Account - $1,500 Bonus
Open a new M&T Tailored Business 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.
M&T Tailored Business Checking Account - $750 Bonus
Open a new M&T Tailored Business 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.
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 - $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.
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.
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
- 12-month or 24-month CD. M&T offers a great rate for their Select Promo CDs of 12-month or 24-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 72 months. Minimum opening deposit $1,000.
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.
Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET).
700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida
Pricing information from published website as of 06/07/2025 based on 14203 zip code
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| Learn More | Visit Site | |
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 |
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| CD | Terms from 32 days to 72 months. Minimum opening deposit $1,000. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking |
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| Mobile App | ||
| 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 | Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). | Automated service available 24/7 |
| Locations | 700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida | |
| Learn More | Visit 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 06/07/2025 based on 14203 zip code Chase: Pricing information and data points from published website as of 06/24/2025. | ||
M&T Bank Alternatives
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 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.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by October 17, 2025.
- Make the minimum opening deposit of $10, plus a total of $1,000 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® Business Advantage Banking Checking Account - $200 Bonus Offer
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2025.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or
Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
U.S. Bank Business Essentials - $400 Bonus
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
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