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Mobile & Online Banking FAQs

Have questions about M&T Online Banking and Mobile Banking? We’re here to help.

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M&T Cards

How do I add an authorized user to my credit card?
Log in to the M&T Mobile App for  AppleTM or AndroidTM.  Select  Card Services from the menu. Select  Add Authorized User to Credit Card.
How do I lock or unlock my M&T card?
To temporarily lock your M&T Credit or Debit Card:
  • Log into Online Banking and select Temporarily Lock/Unlock a Card from the Services Menu.
  • Log into the M&T Mobile App, select Card Services from the Menu, and select Temporarily Lock/Unlock a Card.
When you’re ready, you can unlock your card from the same menu to begin using it again right away.
I cannot access Online or Mobile Banking, how can I unlock my card?
If you are unable to access Online or Mobile Banking and need to unlock your card, please call M&T Customer Service at 1-800-724-2440 for assistance.
I cannot access Online or Mobile Banking, how can I lock my card?
Locking your card is only available through Online or Mobile Banking. If you need to report your card as lost or stolen you can Log into Online Banking or call M&T Customer Service at 1-800-724-1552, 24 hours a day, 7 days a week or visit your local branch for assistance.
When should I lock my card vs. reporting my card lost or stolen? 
Locking your card is not a replacement for reporting your card as lost or stolen. If you’ve misplaced your card but think you may find it later, lock it temporarily in M&T Online Banking or the mobile app – to stop it from being used for new purchases.  When your card is located – unlock your account and begin using it again.

If you’ve experienced fraud on your card, have had your card stolen, or have permanently lost it
– log into online banking to report your card lost or stolen and we’ll issue you a new one right away.
How do I order a replacement card? 
To request a new card, such as when your card is damaged or no longer works, you can:
  • Log in to Online Banking and select Order a Replacement Card from the Services Menu (personal banking customers)
  • Log in to the M&T Mobile App, select Card Services from the Menu, and select Order a Replacement Card (personal banking customers)
  • Call 1-800-724-2440 (personal banking customers), 1-866-279-0888 (credit card customers) or 1-800-724-6070 (business banking customers)
Need additional help? Make an Appointment

If you replace your debit card, you will receive a new card with the same account number, but different expiration and CVV2 (3 three-digit code on the back of your card).

If you replace your credit card the replacement card will have the same expiration and CVV2.
Can transactions still be made after I lock my card? 
Locking your M&T credit or debit card means that all new card charges and ATM transactions will be blocked. Recurring payments (e.g. online subscriptions) on credit cards will be blocked, and you will have the option to block or allow recurring payments on your debit card. However, the following will continue to be allowed (if applicable):
  • Payments to your Credit Card
  • Credits (including purchase returns)
  • Dispute adjustments
  • Balance transfers
  • M&T fees
  • Pending transactions
  • Interest charges
  • Overdraft transfers to your checking account
  • Rewards redemptions
When you’re ready, you can unlock your card at any time and begin using it again right away.
Will I still receive alerts on a locked card? 
Yes, you will continue to receive approved and declined transaction Alerts you have enrolled in, while your card is locked.
Once I unlock my card, how quickly can I begin using it? 
After unlocking your card, you may begin using it right away.
How often can I lock or unlock my card? How often can I lock or unlock my card?  
There is no limit to the number of times you may lock or unlock your card.
Will locking or unlocking my card affect my credit score?
No, locking or unlocking your Credit Card has no effect on your credit score.
How do I report a lost or stolen card?
To report a lost or stolen card, 24 hours a day, 7 days a week, you can:
  • Log in to Online Banking and select Report a Lost or Stolen Card from the Services Menu (personal banking customers)
  • Log in to the M&T Mobile App, select Card Services from the Menu, and select Report a Lost or Stolen Card (personal banking customers)
  • Call 1-800-724-1552
  • Visit your local branch
We’ll disable your old card to help prevent any further activity or usage and then issue you a new one right away. And because you bank with M&T, you won’t be liable for any fraudulent charges, thanks to our M&T Assurance® program.
What does it mean if my card says ‘Disabled’ when I go to lock or unlock it?
To ensure the highest amount of security, we are taking extra precautions with your card. Please give us a call at "+linkTxt+"" } } catch(err){ } }) } function allChecks(){ try { var allchecks = document.querySelectorAll("* > li:first-child > [class*='CheckMarksRTE']"); [].forEach.call(allchecks,function(a,b){ a.parentElement.parentElement.classList.add("_removeBullets"); }); } catch(err){} } function fixSpeedBumpModal(){ var allLinks = document.querySelectorAll("[data-speedbump='true']"); [].forEach.call(allLinks,function(a,i){ try { a.setAttribute("data-speedbump-enabled","true"); a.removeAttribute("data-speedbump"); } catch(err){} }); } window.addEventListener("load", function(){ fixSpeedBumpModal(); }); var axpGlobals = { "ScheduleAppointment": "https://schedule.mtb.com/service", "EZChoiceNao": "https://nao.mtb.com/open/checking/ez-choice-checking/account-ownership-selection", "MyWayNao": "https://nao.mtb.com/open/checking/my-way-banking/account-ownership-selection", "MyChoicePlusNao": "https://nao.mtb.com/open/checking/my-choice-plus-interest/account-ownership-selection", "MyChoicePremiumNao": "https://nao.mtb.com/open/checking/my-choice-premium/account-ownership-selection", "TreasuryCenter": "https://treasurycenter.mtb.com/auth/" }; axpGlobals['ScheduleAppointmentLink'] = axpGlobals['ScheduleAppointment']; $(document).ready(function(){ allChecks(); addLanguageIcon(); fixRteLinkInDisclosure(); try { $('li.contact-us-item a[href="tel:000-000-0000"]').parent().hide(); } catch (e) { } for (var key in axpGlobals) { $('a[href="#' + key + '$"]').attr('href', axpGlobals[key]); } $('p.footer-text a').each(function() { if ($(this).text() == 'Send feedback') $(this).closest('p').hide(); }); $('a[href="#login-modal"]').off(); $('a[href="#login-modal"]').click(function(e) { window.location = '/log-in'; e.stopPropagation(); e.preventDefault(); }); $('a[href="#search-modal"]').click(function() { var $form = $('.search-results.component form'); $form.off('submit'); // $('body').off('keypress'); $form.keypress(function(e) { if (e.which === 13) { submitSearch(e); } }); $form.submit(submitSearch); function submitSearch(e) { var txt = $('#searchInput').val(); if (txt != '') window.location = '/search?keyword=' + encodeURIComponent(txt); e.stopPropagation(); e.preventDefault(); } }); }); window.addEventListener("load", function(){ fixSpeedBumpModal(); });