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.
Personal Checking Account - Up to $250 Bonus
Get up to $250 cash bonus by opening any M&T personal checking account online or at your local M&T Bank. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening. Cash bonus will be rewarded within 90 days after direct deposit.
M&T Tailored Business Checking Account - $300 Bonus
Open a new M&T Tailored Business checking account using offer code. Receive $300 if the Average Ledger Balance in the account is at least $5,000 for the third full calendar month after the account was opened. Bonus will be credited to your account within 45 days after the end of the third full calendar month after the account was opened.
Compare Promotions
- Get up to $240 with a 3% Cash Bonus Checking Offer when you open a new HSBC Advance checking account and complete the following qualifying activities.
- Open your new HSBC Advance checking account online by January 7, 2021; and
- Set up Qualifying Direct Deposits into your new HSBC Advance checking account; and then
- Enjoy 3% Cash Bonus, up to $240, on Qualifying Direct Deposits up to $40 per month, during the first 6 calendar months after account opening
- You will automatically receive the 3% Cash Bonus in your new HSBC Advance checking account approximately eight weeks after completing that month's qualifying activities.
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
- 0.60% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- FDIC insured
- No fees
- No minimum opening deposit
- No minimum balance required
HSBC Advance Checking - Up to $240 Cash Bonus
CIT Bank Money Market Account - 0.60% APY
Online Savings Account - Earn 0.60% APY
M&T Bank Offers You May Have Missed
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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.
M&T Tailored Business Checking Account - Up to $500 Bonus
Open a new M&T Tailored Business checking account using offer code. Receive $300 if the Average Ledger Balance in the account is at least $5,000 for the third full calendar month after the account was opened. Bonus will be credited to your account within 45 days after the end of the third full calendar month after the account was opened. Receive an additional $200 when you open a new M&T Merchant Services account, link your M&T Business Checking account, and process $20 in merchant transactions within a calendar month no later than 11/30/20.
M&T Simple Checking for Business - $200 Bonus
Open a new M&T Bank Simple Checking for Business account using a unique offer code. Have a balance of at least $1,500 in the Average Ledger Balance for the third calendar month after the account was opened. The $200 bonus will be credited to the account within 45 days after the end of the third full calendar month after the account was opened.
M&T Tailored Business Checking Account - $500 Bonus
Receive $400 bonus when you open a new M&T Tailored Business Checking account and have an Average Ledger Balance of at least $5,000 for the third calendar month after account opening. Earn an extra $100 (earned as 10,000 bonus points) when you open an M&T Business Rewards Credit Card and make $500 in purchases during the first 90 days. Customers must submit the form found on the website to receive additional instructions.
M&T Tailored Business Checking Account - $300 Bonus
To get $300 cash bonus, the Average Ledger Balance in your new M&T Tailored Business Checking account, calculated for the third full calendar month after the account was opened, is $5,000 or more. Checking bonus will be credited within 45 days after the end of the third full calendar month after the account was opened.
M&T Bank Merchant Services - $200 Bonus
Get $200 cash bonus if you open a new Merchant Services Account and accept a deposit transaction from your Merchant Services Account into your linked Tailored Business Checking Account by 2/28/19. The bonus will be credited to your Tailored Business Checking Account within 60 days of processing merchant transactions with M&T.
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 1,500 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
0.02% 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 account
0.10% APY. Terms of 24 months. Minimum opening deposit $1,000.
M&T MyChoice Money Market account Regular rate of 0.03% - 0.10% APY, Premium rate of 0.03% - 0.10% APY for qualifying customers.
Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET).
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.
690 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 10/17/2020 based on 14203 zip code
M&T Bank | PNC Bank | |
|---|---|---|
Benefits and Features | ||
| Savings | 0.02% 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 account | 0.01% APY (0.02% APY - 0.03% APY Relationship rates). Minimum deposit of $25. $5 monthly service charge unless you have 1) $300 monthly average monthly balance, or 2) if you are under 18 years old, or 3) set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account. |
| CD | 0.10% APY. Terms of 24 months. Minimum opening deposit $1,000. | 0.01% - 0.04% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years. |
| Money Market | M&T MyChoice Money Market account Regular rate of 0.03% - 0.10% APY, Premium rate of 0.03% - 0.10% APY for qualifying customers. | 0.02% APY. Minimum deposit is $100. Maximum deposit is $10,000. Monthly service charge of $12 unless you have $5,000 average monthly balance. |
| Customer Service | Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). | Mon-Fri 7:00 am - 10:00 pm, (ET) Sat & Sun 8:00 am - 5:00 pm (ET) |
| 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. | 15,000 ATMs across 37 states and the District of Columbia. |
| IRA CD | 0.01% - 0.04% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 6 months to 10 years. | |
| Locations | 690 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida | 2,400 PNC branches across 20 states. |
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 10/17/2020 based on 14203 zip code PNC Bank: Pricing information from published website as of 10/17/2020 based on 19899 zip code. | ||
M&T Bank Alternatives
- 0.60% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- FDIC insured
- Get up to $240 with a 3% Cash Bonus Checking Offer when you open a new HSBC Advance checking account and complete the following qualifying activities.
- Open your new HSBC Advance checking account online by January 7, 2021; and
- Set up Qualifying Direct Deposits into your new HSBC Advance checking account; and then
- Enjoy 3% Cash Bonus, up to $240, on Qualifying Direct Deposits up to $40 per month, during the first 6 calendar months after account opening
- You will automatically receive the 3% Cash Bonus in your new HSBC Advance checking account approximately eight weeks after completing that month's qualifying activities.
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
- No fees
- No minimum opening deposit
- No minimum balance required
- New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
- Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
- Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
- TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
CIT Bank Money Market Account - 0.60% APY
HSBC Advance Checking - Up to $240 Cash Bonus
Online Savings Account - Earn 0.60% APY
TD Beyond Checking - $300 Cash Bonus
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