M&T @ Work

The M&T @Work program is designed to add value to your employee benefit offerings with workplace banking—featuring exclusive M&T discounts, on-site education workshops and more. Contact your nearest M&T branch for more details.

A Banking Benefits Program Built for Employees

As a business owner and hiring manager you know that benefits packages can be a major deciding factor for job candidates. Plus, a strong benefits program that anticipates and responds to employee's needs can boost morale and raise retention rates. M&T @ Work allows you to give your employees the unique benefits of a comprehensive personal banking package. It's just another way M&T understands what's important to you.

Benefits of M&T @ Work

We take the time to understand what your team members want from a bank and a banking relationship, so we can deliver products and services that add convenience and value to their lives.

M&T @Work is an exclusive worksite financial services program offered by M&T Bank to employees of large companies and small businesses. The program is a cost savings employee benefit offer through your company's partnership with M&T.


Employer Benefits
Employee Benefits
  • Enrollment is convenient.
  • M&T Bank does all the work
  • Assist your employees by providing onsite financial education through our M&T Money Mentor program
  • Improves benefits package to help attract and retain quality employees
  • Increases direct deposit participation
  • Decreases payroll costs
  • Provides onsite education through M&T Money Mentor to help your employees manage their finances more efficiently
  • Offers exclusive savings and discounts, reducing banking fees for your employees
  • Delivers convenient access to funds through direct deposit
  • Brings the bank to you and your employees providing onsite assistance
  • Access to mobile and online financial courses


Exclusive Savings & Discounts

Employees can save on M&T Bank products and services, including:

  • Exclusive Relationship Savings introductory rate offer
  • No M&T fee for first order of standard checks
  • $250 discount on mortgage closing costs
  • Discounted rates on selected loan products

Access to Checking Accounts

With M&T @ Work, employees can select the M&T checking account that best meets their needs. In addition to receiving all the benefits of a relationship with a bank that understands them, employees will enjoy:

Learn About Our Personal Checking Accounts ›

Monitor account activity with M&T Alerts

M&T Online and Mobile Banking and Mobile Check Deposit,

Send money to friends and family with Zelle


Individual Financial Review

Some employees may want to meet directly with an M&T representative to plan for their financial future. We are available to come on site for a one-on-one financial review.

One standard check order per household.
The $250 off closing costs cannot result in cash payment to the borrower and must be applied to standard closing costs for the loan. All lending products are subject to credit and property approval. Offer is subject to change at any time without notice. Not valid with any other discount. Rates, terms and conditions of accounts and services are subject to change at any time without notice. This is not a commitment to make a mortgage loan. Certain other restrictions apply. Not available in all states.
Offers subject to credit approval and are for new accounts only. Offers available only if a new personal checking account is opened in connection with the M&T @ Work program.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
Deposits are subject to verification. Funds not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except Federal Holidays. 
U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.
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.