MyWay Banking | M&T Bank (2024)

Monthly Maintenance Charge

(each monthly service charge cycle)

$0/ month

Common Fees

Download our guide to learn more about M&T Personal Checking Accounts and Common Fees associated with this account.

Account Features

No Overdraft Fees
Online and Mobile Bill Pay
Send Money with Zelle
Checkless Account
M&T Debit Card withcustom card option
Mobile Deposit
Digital Walletpayment capability with apps like Apple Pay®, Google Pay™, Samsung Pay and Garmin^TM
M&T Alert

Even when no monthly maintenance charge applies, M&T checking, savings and money market accounts may be subject to other transaction and service fees, including overdraft fees, as noted in the Specific Features and Terms for each account and the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking and Savings Accounts, which are available on request at any M&T banking office or through M&T’s Contact Center. Overdraft fees will not be charged to a MyWay Banking account.

If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. In the case that your account is overdrawn, you will not be charged an overdraft fee. MyWay banking accounts are not eligible to be linked to an Overdraft Line of Credit.

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.

U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.

Deposits are subject to verification. Funds not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except Federal Holidays.