M&T Tailored Business Checking

Your financial needs are unique to your business. Our Business Banking Specialists work with you to choose the right options that save on fees so you can focus on reaching your financial goals. 

Designed with features to help you manage your business when and where it works for you.

No Monthly Maintenance Fee

As long as certain Tailored Checking requirements are met.

There is no monthly maintenance fee for 3 months. After that, standard rates apply if requirements are not met. Requirements to waive the Monthly Maintenance Fee are based on account type and fully listed on the business checking brochure. Requirements may be met but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply. 

Easy Account Management

Using M&T Online Banking for Business, Mobile for Business and ATMs. 

Card Security Features

With your M&T Business Debit Card with chip technology.

Overdraft Protection

Worry less with the option to protect your account from overdrafts.

Open an account today to take advantage of no monthly maintenance fee for the first three months. Open online or visit an M&T branch.

There is no monthly maintenance fee for 3 months. After that, standard rates apply if requirements are not met. Requirements to waive the Monthly Maintenance Fee are based on account type and fully listed on the business checking brochure. Requirements may be met but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply. 

Tailored Checking Fees

Monthly Maintenance Fee $20.00
Additional Transaction Items Fee $0.50 per transaction, in excess of first 500 checks paid, checks deposited, deposited tickets (whether physical or created virtually in connection with an ATM, mobile, remote check deposit or other electronic deposit), ACH credits and ACH debits. 
Additional Currency Deposited/Supplied Fee $0.25/$100 in excess of first $20,000
Paper Statement Fee

$2.00 (waived if account is enrolled in electronic delivery and does not receive paper statements)

OPENING A NEW ACCOUNT

What is Required?

You can open an account online today or at your nearest M&T Bank branch where a Business Banking Specialist can assist you.


Eligibility Requirements: 

  • You must be at least 18 years old.
  • All applicants are subject to review of past account handling and verification of the information provided. 
  • Business documentation may be required depending on business ownership structure (please contact a branch associate for details). 

Online Banking

Bank when it's convenient for you.

Take advantage of services that complement your business checking account. Designed to help manage your account with ease, so you can get back to business.

START TODAY

Ready to get started?

Open your account online, or schedule an appointment with a business banking specialist to learn more. 

Top questions, answered by our experts.

Tailored Business Checking FAQs

Transactions include checks paid or deposited, cash deposits, and ACH debits and credits.

Transaction items are: checks paid, checks deposited, ACH credits/debits received, and deposit tickets (whether physical or created virtually through channels such as an ATM, Mobile, or Remote Check Deposit).

No two businesses have the same checking needs. That's why we created a range of business checking account options. Use our Account Selector Tool to get our recommendation on which account might be right for your unique needs.

Related Services

Merchant Services are supported by merchant processing specialists who work hard to make sure you get the right credit card terminal and solution package for your business

M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.

M&T BizPay through Online Banking for Business allows you to manage and pay expenses for your business electronically, using ACH credit originations and domestic Wires

M&T Bank's M&T BizPay service are provided subject to M&T Bank's Master Treasury Management Services Agreement or the M&T Digital Services Agreement, as applicable. All products and services are subject to eligibility and restrictions may apply. 

M&T Business Credit Cards keep your business moving while managing expenses

M&T Business Credit Cards are available subject to completion of an application and credit approval.

Remote Check Deposit provides a fast and easy way to deposit checks for those who aren't able to make trips to the branches daily

M&T Bank’s Remote Check Deposit ("RCD") services are provided subject to M&T Bank’s standard Treasury Management Services Agreement for the provision of RCD services ("RCD Agreement").

Keeping your information secure is important.

Secure Browsing

Look for a lock next to our web address and "https" at the beginning of our web address to indicate secure pages displaying your sensitive customer information. 

Personal Information

M&T Bank never requests your personal information through email, U.S. mail or phone unless you initate contact or we are completing an application for you.

Phishing

M&T Bank will never send you an email requesting your credentials or personal information. If you receive this type of email, please forward to phishing@mtb.com.

All M&T checking accounts are subject to M&T standard account agreements.
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 full details.
​All products and services are subject to eligibility and restrictions may apply.