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Digital Banking Features

Save time and worry less with M&T Bill Pay.

Easily schedule bill payments with our complimentary service, so you can spend time doing more of what's important to you. 

Enroll in Bill Pay
Enroll in Digital Banking

Convenience, time and peace of mind with Bill Pay
M&T Online and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose.

  • Save your time, postage and checks with digital payments
  • Keep sensitive information like account numbers out of the mail
  • Avoid late fees and worry less knowing your bills are paid on time
  • Keep your account info with your bank, not at a third party site
Bill Pay Demo

Bill Pay Guarantee

M&T Bill Pay Guarantee covers up to $50 of late fees if our online bill pay is late for your scheduled payment and the date you selected as the Delivery Date was no later than the date your payment was due.

We will cover up to $50 in late fees if a payment using M&T Online Bill Pay is late and you (i) scheduled the payment sufficiently in advance of the payment due date to allow for the payment to be processed and sent by us, and (ii) the date you selected as the Delivery Date was no later than the date your payment was due, excluding any applicable grace periods. Further, your payment must be scheduled according to the requirements set forth in the M&T Digital Services Agreement, and you must have sufficient available funds in your account. In the event your payee does not receive payment on time and charges you a late fee, contact Online Banking Support at 1-800-790-9130. We reserve the right to discontinue the Bill Pay Guarantee at our discretion at any time.

Payments can be scheduled in three easy steps.

 Select a Payee

You will need account numbers and due dates for your mortgage, utility bills, car loan and any other accounts for which you'd like to use Bill Pay.

 Add Payment Details

Set up recurring payments. You have the option to change or stop payments based on what works for you.

 Review & Submit Payment

See when your payment has been delivered successfully to the payee. 

Financial Education Center

Improve your financial understanding.

Set personal playlists for your unique situation and get step-by-step guides and advice for how to save for college, a house, your business or retirement.

Learn More

Keeping your information secure is important.

Secure Browsing

Look for a lock next to our web address and "https" at the beginning of our web address to indicate secure pages displaying your sensitive customer information. 

Personal Information

M&T Bank never requests your personal information through email, U.S. mail or phone unless you initate contact or we are completing an application for you.

Phishing

M&T Bank will never send you an email requesting your credentials or personal information. If you receive this type of email, please forward to phishing@mtb.com.

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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.  
We will cover up to $50 in late fees if a payment using M&T Online Bill Pay is late and you (i) scheduled the payment sufficiently in advance of the payment due date to allow for the payment to be processed and sent by us, and (ii) the date you selected as the Delivery Date was no later than the date your payment was due, excluding any applicable grace periods. Further, your payment must be scheduled according to the requirements set forth in the M&T Digital Services Agreement, and you must have sufficient available funds in your account. In the event your payee does not receive payment on time and charges you a late fee, contact Online Banking Support at 1-800-790-9130. We reserve the right to discontinue the Bill Pay Guarantee at our discretion at any time.
M&T Online and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose.