M&T (Manufacturers & Traders) Bank Review
M&T Bank is a regional bank headquartered in Buffalo, NY, offering banking, wealth management, and treasury services.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | M&T Free Checking | No monthly fee |
Savings: | M&T Savings | 15.00% APY |
Credit: | M&T Cash Back Visa | 1% cash back |
Mortgage: | 30-Year Fixed | 4.13% interest rate |
Fee Rating
3.3/5
Lower is better
FDIC Insured
Yes
Certificate: 022300173
Digital Banking
4.1/5
Online & Mobile Experience
Branch Network
840
Physical Locations
Key Features
- Strong brand; comprehensive products; robust digital.
Bank Information
Routing Number
022300173
SWIFT Code
MTBJUS3B
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-724-2440
24/7
Headquarters
Buffalo, NY, USA
Years in Business
169 years (Est. 1856)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS, Authenticator
Forgot Password
Reset PasswordSecurity Features
256‑bit SSL; device fingerprint
Login Instructions
Enter credentials → complete 2FA
Login Help
Call customer service: 1-800-724-2440
Hours: 24/7
Products & Services
Accounts & Products
Checking
M&T Free Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$34
ATM Fee
$3
Savings
M&T Savings
APY
$15.00%
Annual Earnings
$15.00
Compounds
$Daily
Minimum Balance
$500
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
M&T Cash Back Visa
Mortgage
30-Year Fixed
Interest Rate
$4.125%
APR
$4.25%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$800,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with M&T (Manufacturers & Traders) Bank?
Visit their website to explore account options and start your application