Making Withdrawals

Take charge of your checking account by following these five key strategies for managing withdrawals.

Learn the basics and keep your balances in check.

Funds may be withdrawn from your account in a variety of ways. It's difficult to predict how quickly a check that you have written or a purchase you have made will be deducted from your account.

Regardless of the type of withdrawal, you should always make sure that there are sufficient available funds in your account to cover whatever withdrawal transactions you make. Here are some helpful tips:

​Record transactions

Always keep your account register up to date to ensure you have sufficient available funds in your account to cover the transactions you make.

​Deduct immediately

Always assume that a check you write, a payment you make online, or a purchase you make with your debit card could be deducted immediately from your account balance.

​Allow for processing time

Remember that processing times vary, based on merchants and your form of payment. Some merchant transactions take longer to process than others.

​​Remember automatic payments

Don't forget about automatic bill payments, such as utility bills, gym memberships or insurance payments.

  • Check your balance a few days prior to the scheduled transaction
  • Deduct the amount from your balance before making other purchases

​​​Take charge

Regardless of how you keep track, you are the only one who knows all the checks you have written and the purchases you have made at any given time. To ensure your account balance is always accurate, record those checks and purchases right away. You can also take charge and keep track of your accounts by enrolling in Online Banking, Mobile Banking and M&T Alerts.

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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.
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 details.