Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details. 

Visa® is a registered trademark of Visa International Service Association. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

No monthly maintenance charge with an average daily balance of $7,500 or more per monthly service charge cycle; or maintain combined average daily balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments, and business deposit accounts.  For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through M&T's Contact Center.

Regardless of whether a monthly maintenance charge applies, M&T checking, savings and money market accounts are subject to transaction and service fees, including overdraft fees as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking/Savings Accounts, which are available on request at any M&T banking office or through M&T's Contact Center.

M&T will not charge you to access your account at non-M&T ATMs, and will reimburse the checking account (up to $2 per transaction, or full fee amount for accounts opened in the state of NJ) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, DC.

There is no fee for overdraft protection transfers; however, fees may apply to use other overdraft protection services. Overdraft protection is available either through a link to an M&T Savings Account, M&T Visa Credit Card or M&T Overdraft Line of Credit. Overdraft Line of Credit and M&T Visa Credit Cards are subject to credit approval.

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). Unless you are participating in a limited-time promotional offer, M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Rewards points subject to change and/or discontinuation without notice. Additional exclusions and terms apply. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com.

M&T Bank loans are only available in Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, Washington, D.C. and West Virginia. All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply, depending on the type of collateral and other terms offered or chosen.