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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.

If you're looking for bank promotions, you must check out these offers.

$500

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.

$200

Personal Checking Account - Up to $200 Bonus

Open a new M&T EZChoice Checking, MyChoice Plus Checking, or MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.

Expires 6/30/2024
$1,500

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 the account was opened.

Expires 6/28/2024
$500

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 - $99,999.99 in the third full calendar month after the account was opened.

Expires 6/28/2024
$300

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 the account was opened.

Expires 6/28/2024
$400

Personal Checking Account - $400 Bonus

Open a new MyChoice Premium Checking account. Use promo code TE at account opening. Set up and receive qualifying direct deposits totaling $1,500 or more within 90 days of account opening.

Expires 5/31/2024
$350

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 May and June 2024.

Expires 4/26/2024
US Bank
Member FDIC

U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus

Expires 6/27/2024
Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.

Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $200 with a new Standard Savings account.

  • Make new money deposit(s) totaling $15,000 or more by July 17, 2024
  • Maintain that balance until October 31, 2024

Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

High-Yield Savings Premier - 5.36% APY

High-Yield Savings Premier - 5.36% APY

  • No account activity or maintenance fees
  • $500 minimum opening deposit
  • FDIC insured
5.36% annual percentage yield (APY) is accurate as of 1/17/2024 and subject to change at the Bank's discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 7/24/2024
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • 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*
KeyBank
Member FDIC

Key Select Checking® - $200 Bonus

Expires 7/19/2024
Earn $200 after qualified activities until 7.19.24 with interest-bearing Key Select Checking®.

  • Open a Key Select Checking® account online by July 19, 2024.
  • Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
  • Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.

Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 5/31/2024
  • 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 checking customers only.
  • Offer expires 5/31/2024.
  • To qualify, open a 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 account within 90 days of opening.
  • Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.

M&T Bank Trending Offers

YesterdayPersonal Checking Account - Up to $200 Bonus selected by a visitor from Rhode Island
YesterdayPersonal Checking Account - $400 Bonus selected by a visitor from Massachusetts
YesterdayPersonal Checking Account - $350 Bonus selected by a visitor from Pennsylvania
2 days agoM&T Tailored Business Checking Account - $500 Bonus selected by a visitor from New York
3 days agoM&T Tailored Business Checking Account - $1,500 Bonus selected by a visitor from Massachusetts

Don't miss another hot deal. Check back often at CreditDonkey.

$500

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 at least $5,000 for the third full calendar month after the account was opened.

Expired 3/29/2024
$150

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.

Expired 4/30/2018
$450

Personal Checking and Money Market Account - Up to $450 Bonus

Open a new MyChoice Premium Checking and MyChoice Money Market account. Use promo code CC at account opening. Maintain an average monthly balance of at least $10,000 for September and October 2023 in the money market account.

Expired 8/25/2023
$350

Personal Checking Account - $350 Bonus

Open a new MyChoice Premium Checking account. Use promo code CA at account opening. Maintain an average monthly balance of at least $10,000 in September and October 2023.

Expired 8/25/2023
$350

Personal Checking Account - $350 Bonus

Open a new MyChoice Premium Checking account. Use promo code CC at account opening. Maintain an average monthly balance of at least $10,000 in September and October 2023.

Expired 8/25/2023
$500

M&T Tailored Business Checking Account - $500 Bonus

Open a new M&T Tailored Business checking account. Receive $500 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.

Expired 6/30/2023
$450

Personal Checking and Money Market Account - Up to $450 Bonus

Open a new MyChoice Premium Checking and MyChoice Money Market account. Use promo code CB at account opening. Maintain an average monthly balance of at least $10,000 for July and August 2023 in the money market account.

Expired 6/30/2023
$350

Personal Checking Account - $350 Bonus

Open a new MyChoice Premium Checking account. Use promo code CB at account opening. Maintain an average monthly balance of at least $10,000 in July and August 2023.

Expired 6/30/2023
$450

Personal Checking Account - $450 Bonus

Open a new MyChoice Premium Checking account. Use promo code TK at account opening. Maintain an average monthly balance of at least $10,000 in December 2022 and January 2023. Set up qualifying direct deposits totaling $500 or more within 90 days of account opening.

Expired 11/25/2022
$300

Personal Checking Account - $300 Bonus

Open a new MyChoice Premium Checking account. Use promo code TK at account opening. Maintain an average monthly balance of at least $10,000 in December 2022 and January 2023.

Expired 11/25/2022

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

    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
    3.75% - 4.75% APY. Terms of 6 - 24 months. Minimum opening deposit $1,000.
    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).
    Locations
    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 04/03/2024 based on 14203 zip code

 Chase
Member FDIC
 Learn MoreVisit Site
 

M&T Bank

Chase

 

Benefits and Features

Savings0.01% 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
  • Chase 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 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.
CD3.75% - 4.75% APY. Terms of 6 - 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®
  • 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.
Mobile App 
iOS & Android
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.
15,000+ Chase ATMs
Customer ServiceMon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET).Automated service available 24 hours a day,
7 days a week
Locations700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida
Over 4,700
 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 04/03/2024 based on 14203 zip code

Chase: Pricing information and data points from published website as of 04/09/2024.


M&T Bank Alternatives

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 7/24/2024
  • 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 $40 per month on fees after opening their account.
  • Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
  • 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.
KeyBank
Member FDIC

Key Smart Checking® - $200 Bonus

Expires 7/19/2024
Earn $200 after qualified activities until 7.19.24 with the no-monthly-maintenance-fee Key Smart Checking®.

  • Open a Key Smart Checking® account online by July 19, 2024.
  • Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
  • Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.
Bank of America
Member FDIC

Bank of America Business Advantage Checking Account - $200 Bonus Offer

Expires 6/30/2024
Earn a cash bonus in three steps:
  1. Open a new eligible business checking account by June 30, 2024
  2. Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
  3. Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
*Qualifying Deposits are deposits of new money, which is money not currently or previously held in any account at Bank of America or Merrill
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC
US Bank
Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Expires 4/23/2024

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $350.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Discover Bank
Member FDIC

Online Savings Account - Earn 4.25% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required

Articles on M&T Bank

M&T Bank Review

If you are on the upper East Coast, you probably see M&T Bank frequently. With a free checking option and a range of deposit accounts, does it meet your needs?

Recent Mentions

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BB&T Bank Review: Account Good for You?

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Banks aren't a one-size-fits-all thing. You have to find the one that suits your needs. Whether you are a seasoned banker or just starting out, each person has different needs, means, and capabilities when it comes to finances.
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More Bank Promotions

Chase
Member FDIC

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Chase Bank $300 Bonus

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Personal Checking Account - $400 Bonus

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Savings Account - $525 Bonus
KeyBank
Member FDIC

Key Bank Promotions

Key Select Checking® - $200 Bonus

Capital One 360 Promo Code

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Bank of America
Member FDIC

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Bank of America Advantage Banking - $200 Bonus Offer

TD Bank Promotions

TD $300 Beyond Checking Bonus

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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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