Find the right checking solution for your business.

We know that your business has unique checking needs. Your local community branch is here to connect in person or online to find the right solution for you. 

m&t tailored business checking

For Growing Businesses

Growing isn't always easy, but we can help. We're in your neighborhood — and by your side — with a customized solution designed to scale as you grow. 

M&T Simple Checking for Business

Designed for businesses just starting out with the option to waive maintenance fees when you reach certain goals.Learn More >Open Online >

Compare Your Options Tailored Business Checking Simple Checking for Business
Monthly Maintenance Fee $20 $10
Waive checking monthly maintenance fee with deposits from M&T Merchant Services 
 
X
Waive checking monthly maintenance fee when you reach certain goals with M&T Business Rewards Credit Card
 
X
Monlthy Transaction Limit  500  100
Additional Transaction Items Fee $0.50 per item in excess of first 500 checks paid, checks deposited, deposit tickets ACH credits and ACH debits $1.00 per item in excess of first 100 checks paid, checks deposited, deposit tickets ACH credits and ACH debits
Online Banking
 
 
Paper Statement Fee $2 (waived if account is enrolled in electronic delivery and does not receive paper statements) $2 (waived if account is enrolled in electronic delivery and does not receive paper statements)
Business Debit Card with Chip Technology
 
 
Customize Your Debit Card
 
 
 
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. 
​$20.00 per month, unless there is 1 or more deposits of M&T Merchant Services Proceeds into the account.
​$20.00 per month, unless the purchases made on a linked M&T Business Credit Card or M&T Business Rewards Credit Card totaled $2,000 or more in the credit card statement cycle ending in that month.
Transaction items are: deposit tickets (teller or virtual), checks paid, checks deposited, ACH credits received (not generated by the customer), and ACH debits received (not generated by the customer). ATM cash deposits are not considered a transaction item.
Compare Your Options Monthly Maintenance Fee Waive checking monthly maintenance fee with deposits from M&T Merchant Services  Waive checking monthly maintenance fee when you reach certain goals with M&T Business Rewards Credit Card Monlthy Transaction Limit Additional Transaction Items Fee Online Banking Paper Statement Fee Business Debit Card with Chip Technology Customize Your Debit Card  
$20
 
 
500 $0.50 per item in excess of first 500 checks paid, checks deposited, deposit tickets ACH credits and ACH debits
 
$2 (waived if account is enrolled in electronic delivery and does not receive paper statements)
 
 
$10 X X 100 $1.00 per item in excess of first 100 checks paid, checks deposited, deposit tickets ACH credits and ACH debits
 
$2 (waived if account is enrolled in electronic delivery and does not receive paper statements)
 
 
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. 
​$20.00 per month, unless there is 1 or more deposits of M&T Merchant Services Proceeds into the account.
​$20.00 per month, unless the purchases made on a linked M&T Business Credit Card or M&T Business Rewards Credit Card totaled $2,000 or more in the credit card statement cycle ending in that month.
Transaction items are: deposit tickets (teller or virtual), checks paid, checks deposited, ACH credits received (not generated by the customer), and ACH debits received (not generated by the customer). ATM cash deposits are not considered a transaction item.

Your business has unique needs.

We offer an array of products designed for the needs of every Business customer.

Business Lending

Get the funds your business needs to finance large purchases, refinancing, renovations and more.

Merchant Services

Giving your customers more ways to pay helps grow your business. We can help.

Remote Check Deposits

Depositing checks without a trip to the bank saves you time to focus on your business.

Specialty Checking Accounts

Explore BizFlex Checking, Commercial Checking, Non-Profit Checking, and M&T Business Interest Checking account options.

Business Debit & ATM Cards

Purchase right out of your business checking account with M&T Business Debit Card or ATM Card for Business.

Online & Mobile Banking

Access your account information from your mobile device, tablet or computer.

Make the switch

How to open an account.

When it comes to switching banks or starting a business, we know the process can seem overwhelming. To make it easier, we've created a step-by-step Switch Kit for business interested in switching to M&T.

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