Government Banking
We understand the unique needs and regulatory requirements facing thousands of local government entities in the regions that we are proud to serve. M&T Bank has a dedicated team of experienced Government Bankers that exclusively partner with government leaders.
Flexible Solutions for the Public Sector
We offer services to help your organization meet its financial goals.
Merchant Services
The tools you need to improve payment collection and provide more options for paying taxes and fees.
Commercial Cards
Card programs designed to help you better manage all of your expenses.
Treasury Management
Access comprehensive, locally delivered treasury management services designed to be easily operated and optimize cash flow.
Trust & Investment Services
Our Wilmington Trust partners offer corporate trust, custody, and asset management services to government entities
Depository, Operating and Investment Accounts
Deposit and operating accounts designed specifically for your sector.
Short Term "Bridge" Financing
Our lines of credit can help municipalities secure fiscally responsible financing – whether your organization is experiencing growth or building infrastructure.
Tax-Exempt Equipment Financing
Incorporate large and small equipment purchases into your budget, and plan your cash flow more accurately with our Tax-Exempt Purchase Program.
Building Stronger Communities
We understand the unique needs of local, county, and state governments. M&T Bank Government Banking and our colleagues at M&T Securities, Inc., and Wilmington Trust, partner with government entities to provide a full range of services designed to support safe, sound, and secure fiscal management of public funds. Together we can help your local government partners build stronger communities in the regions we proudly serve.
- Local municipalities, State and County government
- State agencies
- Public authorities and utilities
- Special purpose districts
- Housing authorities
- Public school systems
- Public Fire Districts & Libraries
Government Financing Services
The M&T Bank Government Banking team brings decades of experience in the structuring and issuance of public borrowings. From short-term anticipation notes to longer-term capital and project financing, our team is dedicated exclusively to local, country, and state governments creating stronger communities with a thoughtful approach to debt structure and a deep understanding of state and local requirements.
- Anticipation Notes (Tax, Bond, Grant)
- Equipment Financing
- Capital Improvement Projects
- Infrastructure Financing
- "Bridge" or "Interim" Notes
M&T's Financial Empowerment Team
We’re here to help with what’s important, no matter where life takes you. M&T’s Financial Empowerment Team works with local organizations to increase financial education in our communities. With our no-cost financial wellness workshops and M&T’s Financial Education Center, you can get access to information on a variety of topics like budgeting, credit management, building wealth & retirement, and more. It’s like having the expertise and knowledge of an M&T Banker anywhere you go.
Are you interested in setting up a Financial Empowerment workshop for your organization? Contact the Financial Empowerment Team here.
United Way Financial Empowerment Center Partnership
Duration: 30s
M&T Equipment Finance Corporation
A nationwide lender that provides capital for equipment purchases, acquisitions, and business growth. We provide financing and leasing services* throughout the country from our six operating centers.
MTB Form Handler
Investment Products: • Are NOT Deposits • Are NOT FDIC-Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Go Down in Value
Financing options are subject to credit approval and other conditions. All products and services are subject to qualification; fees and restrictions may apply.
*Application and credit approval required. M&T Equipment Finance Coporation is a subsidiary of M&T Bank.
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 a 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.
Investing involves risks, and you may incur a profit or a loss. There is no assurance that any investment strategy will be successful. Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation.