You must be 18 years or older and a U.S. Citizen to apply. You can open a checking account in less than 10 minutes.  Select the checking options that matter most to you and decide if you'd like to apply online or in branch. You can apply online for any checking account type above on this page or schedule an appointment with your local branch for in-person support. Once a checking account has been created, you'll receive a confirmation email and will have the option to enroll in online banking. 

Yes, absolutely! You can open a checking account in less than 10 minutes online. Simply compare personal checking account types to determine which one best aligns with your individual needs and financial goals then complete the online application by selecting an account above on this page.

​To open an individual account in your name only, you will need (1) a valid U.S. driver's license or U.S. non-driver’s ID and (2) a valid U.S. Social Security number and you must be at least 18 years of age. If you are applying for a joint account, (1) the primary applicant must be at least 18 years of age and the co-applicant must be 16 years of age or older and (2) both joint applicants must have a valid U.S. driver's license or U.S. non-driver’s ID and a valid U.S. Social Security number. You will be required to provide this information, along with a U.S mailing address. If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, you will not be able to open an account online.

After you have completed the application, a confirmation e-mail will be sent to the email address you provided during the application process. Your M&T Debit/ATM card will arrive by mail within 7-10 business days. The card must be activated by phone or M&T ATM with your PIN before using.

Overdraft protection provides coverage for your checking account when it doesn’t contain sufficient funds for a transaction. Funds are used from a linked account to prevent your checking account from being overdrawn. Learn more about overdraft protection options.

No, not all checking accounts have minium balance requirements. However, you may receive additional benefits for maintaining specified average balances in your checking account, depending on the account type you choose. All checking accounts require a minimum $25 opening deposit. Compare checking accounts to better understand which one best aligns with your individual needs and goals.

Yes! Both online banking and M&T Bank's mobile banking app are great ways to help manage your accounts while on the go. You can enroll at no cost, and they come with additional benefits and conveniences such as transaction alerts, Zelle, and Bill Pay to name a few.

All of our personal checking accounts require a minimum $25 opening deposit. Compare our personal checking accounts to better understand which account meets your needs and goals.

You can open a personal checking account online within 10 minutes. Be sure to have all the personal information you need to open a checking account

M&T Bank is proud to serve our clients through our local network of over 900 branches and 2,000 ATMs. To find your local branch hours on Saturday or Sunday, visit our Branch & ATM page.