M&T Bank Promotions

Read our in-depth review of M&T Bank to see why M&T Bank scored 3.4 stars out of 5. We like their free checking option, high apy for promo cd, and free savings with checking.

If you're looking for bank promotions, you must check out these offers.

$500

Referral Program - Up to $500 Bonus

Earn a $50 Visa® Reward Card for every referral who successfully opens an eligible account, and completes all qualifying requirements. Earn up to $500 in referral rewards per calendar year.

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$200

Personal Checking Account - $200 Bonus

Open a new M&T MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.

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Expires 1/31/2025

$150

Personal Checking Account - $150 Bonus

Open a new M&T MyChoice Plus Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.

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Expires 1/31/2025

Compare Checking Promotions:

$100

Personal Checking Account - $100 Bonus

Open a new M&T EZChoice Checking Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.

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Expires 1/31/2025

$1,500

M&T Tailored Business Checking Account - $1,500 Bonus

Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $100,000 or more in the third full calendar month after opening the account.

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Expires 12/31/2024

$750

M&T Tailored Business Checking Account - $750 Bonus

Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $30,000 - $99,999.99 in the third full calendar month after opening the account.

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Expires 12/31/2024

Compare Business Promotions:

$500

M&T Tailored Business Checking Account - $500 Bonus

Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $15,000 - $29,999.99 in the third full calendar month after opening the account.

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Expires 12/31/2024

$300

M&T Tailored Business Checking Account - $300 Bonus

Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $5,000 - $14,999.99 in the third full calendar month after opening the account.

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Expires 12/31/2024

$500

Personal Checking Account - $500 Bonus

Open a new M&T MyChoice Plus or Premium Checking account. Use promo code TV at account opening. Make a total of at least $1,000 in qualifying direct deposits within 90 days of account opening.

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Expires 11/30/2024

Compare Checking Promotions:

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Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

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Expires 1/31/2025

The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 01/31/2025.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC.

High-Yield Savings Premier - 4.46% APY

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No account activity or maintenance fees
$500 minimum opening deposit
FDIC insured

The annual percentage yield (APY) is accurate as of November 7, 2024 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC

Member FDIC

Business Checking Account - $400 Bonus

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Expires 3/31/2025

Earn $400 when you open a new small business checking account and complete qualifying activities.
Choose between:
- Truist Simple Business Checking—Perfect if you're just starting out or have low transaction volume.
- Truist Dynamic Business Checking—With more perks as your balances grow—and a true, local partnership.
New business checking clients only
From October 1st, 2024 – March 31st 2025

Terms and Conditions

Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, phone, or in a branch from 10/1/2024 through 3/31/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code SB24Q4BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.

*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 4/4/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The business's physical address must be located in one of the following states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new business checking account within 4 weeks after the qualification requirements have been met and verified. The new business checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Only one newly opened business checking account per client is eligible to participate in this offer. Truist may report the value of any reward received to the IRS, as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the business checking account is changed to an account type not included in this offer, (2) the business checking account is closed prior to the reward being deposited, or (3) the new business checking account has a $0.00 or negative available balance at the time of qualification validation.

Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.

The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. Truist reserves the right, in its sole discretion, to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 9/30/2025, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.

Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB24Q4BIZAFL is entered into the Promo Code field and accept the offer when presented. Accounts opened online without the Promo Code will not be eligible to participate in the offer.

Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the Truist Small Business Checking Affiliate Q4 2024 & Q1 2025 Offer using promo code SB24Q4BIZAFL. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800-709-8700.

Version 2 10172024 SB24Q4BIZAFL

Member FDIC

Chase Total Checking® - $300 Bonus

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Expires 1/22/2025

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
JPMorgan Chase Bank, N.A. Member FDIC
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

Member FDIC

Key Smart Checking® - $300 Bonus

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Expires 12/13/2024

Earn $300 after qualified activities until 12.13.24 with the no-monthly-maintenance-fee Key Smart Checking®.

Open a Key Smart Checking® account online by December 13, 2024.
Make the minimum opening deposit of $10, plus one eligible direct deposit of at least $1,000 within the first 60 days of account opening.
Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.

M&T Bank Offers You May Have Missed

Don't miss another hot deal. Check back often at CreditDonkey.

$400

Personal Checking Account - $400 Bonus

Open a new MyChoice Premium Checking account. Use promo code TK at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening.

Go to M&T Bank Website

Expired 10/25/2024

$400

Personal Checking Account - $400 Bonus

Open a new MyChoice Premium Checking account. Use promo code TJ at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening.

Go to M&T Bank Website

Expired 8/30/2024

$150

Personal Checking Account - $150 Cash Bonus

Earn $150 when you open any personal checking account with M&T and make at least $500 in qualifying direct deposits within 90 days of account opening. Bonus will be awarded within 90 days after the requirement is met. There is a $50 close-out fee if you close the account within 180 days of account opening. Available to residents of NY, NJ, CT, PA, MD, DE, VA, and WV.

Go to M&T Bank Website

Expired 4/30/2018

$350

Personal Checking Account - $350 Bonus

Open a new MyChoice Premium Checking account. Use promo code at account opening. Obtain promo code from offer page. Maintain an average monthly balance of at least $10,000 in June and July 2024.

Go to M&T Bank Website

Expired 5/31/2024

$500

M&T Tailored Business Checking Account - $500 Bonus

Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of at least $5,000 for the third full calendar month after the account was opened.

Go to M&T Bank Website

Expired 3/29/2024

Compare Business Promotions:

$450

Personal Checking and Money Market Account - Up to $450 Bonus

Open a new MyChoice Premium Checking and MyChoice Money Market account. Use promo code CC at account opening. Maintain an average monthly balance of at least $10,000 for September and October 2023 in the money market account.

Go to M&T Bank Website

Expired 8/25/2023

$350

Personal Checking Account - $350 Bonus

Open a new MyChoice Premium Checking account. Use promo code CC at account opening. Maintain an average monthly balance of at least $10,000 in September and October 2023.

Go to M&T Bank Website

Expired 8/25/2023

$350

Personal Checking Account - $350 Bonus

Open a new MyChoice Premium Checking account. Use promo code CA at account opening. Maintain an average monthly balance of at least $10,000 in September and October 2023.

Go to M&T Bank Website

Expired 8/25/2023

Compare Checking Promotions:

$500

M&T Tailored Business Checking Account - $500 Bonus

Open a new M&T Tailored Business checking account. Receive $500 if the Average Ledger Balance in the account is at least $5,000 for the third full calendar month after the account was opened. Bonus will be credited to your account within 45 days after the end of the third full calendar month after the account was opened.

Go to M&T Bank Website

Expired 6/30/2023

$450

Personal Checking and Money Market Account - Up to $450 Bonus

Open a new MyChoice Premium Checking and MyChoice Money Market account. Use promo code CB at account opening. Maintain an average monthly balance of at least $10,000 for July and August 2023 in the money market account.

Go to M&T Bank Website

Expired 6/30/2023

M&T Bank has 690 branches serving the Upper East Coast and Florida. Offers a no-fee checking, as well as interest checking but with heavier requirements to waive service fees.

M&T Bank Promotions

M&T Bank frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select States, so make sure you read the fine print carefully.

All M&T Bank checking accounts offer free online banking, bill pay, and mobile deposits. There are over 1,600 ATMS.

Special Checking Account Features

M&T checking accounts come with these features:

Overdraft Protection. To protect your checking account from overdrafts, you can link a M&T savings account, credit card, or Overdraft Line of Credit. Funds will automatically be transferred to cover the overdraft. There is a transfer fee (though it's a lot less than the overdraft fee) and an interest rate will apply if you're using credit. You must enroll in this protection plan.
Free custom debit card. You can design your own customized debit card free of charge. You can upload your own photo for the card background. You can also choose to have a photo of yourself in the upper-righthand corner for added security.
Free savings account. You can open a Relationship Savings account with any checking account for no extra monthly service fee. This account can be used for overdraft protection.
Send money with Zelle. Easily send money to anyone with just a U.S. phone number or U.S. email address.

What to Open at M&T Bank

12-month or 24-month CD. M&T offers a great rate for their Select Promo CDs of 12-month or 24-month term. The minimum to open is $1,000. This opening deposit cannot be money already on deposit at M&T Bank.
EZChoice Checking. This is M&T's free checking option. It has no monthly service fee or minimum balance requirements.

How to Avoid M&T Bank Checking Account Fees

EZChoice Checking. This account has no monthly service fee or minimum balance requirements.
MyChoice Plus Checking. The $14.95 monthly fee can be waived if you: maintain an average daily balance of at least $2,500, OR have combined direct deposits of at least $1,500 per statement cycle.

If you're in certain New Jersey regions, the requirements to waive the fee are lower. You must maintain a $500 average daily balance, or have $500 in direct deposits per cycle, or else the monthly service fee is $4.95.
MyChoice Premium Checking. The $24.95 monthly fee can be waived if you: maintain an average daily balance of at least $7,500, OR have a combined balance of at least $25,000 in deposit accounts, loans and home equity outstanding balances, and investments and business deposit accounts.
Basic Banking. This account has no minimum balance requirements, but the $3 monthly fee cannot be waived.

In-Depth Review

Highlights

Savings
0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account

Compare: M&T Bank vs Discover Bank

CD
Terms from 32 days to 120 months. Minimum opening deposit $1,000.

Read: 13 Month CD Rates

Compare: M&T Bank vs Citizens Bank

ATMs
More than 1,800 M&T Bank ATMs in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia.

Customer Service
Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET).

Compare: M&T Bank vs Chase

Locations
700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida

Pricing information from published website as of 11/21/2024 based on 14203 zip code

	M&T Bank	Chase
		Member FDIC
	Learn More	Visit Site
	Benefits and Features
Savings	0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	Terms from 32 days to 120 months. Minimum opening deposit $1,000.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $250,000 on deposit with Chase.
Mobile App		iOS & Android
ATMs	More than 1,800 M&T Bank ATMs in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia.	15,000+ Chase ATMs
Customer Service	Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET).	Automated service available 24/7
Locations	700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida	Over 4,700
	Learn More	Visit Site
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. M&T Bank: Pricing information from published website as of 11/21/2024 based on 14203 zip code Chase: Pricing information and data points from published website as of 11/20/2024.

6-Month Select CD - 4.25% APY

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6-Month CD - 3.90% APY

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APY is for ZIP code 08004. The APY may vary by location.

12-Month CD - 3.50% APY

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APY is for ZIP code 08004. The APY may vary by location.

6-Month CD - 3.25% APY

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12-Month Select CD - 3.10% APY

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M&T Bank Alternatives

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 1/22/2025

New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile^® app and Chase.com.
JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

Key Smart Checking® - $300 Bonus

Learn More

Expires 12/13/2024

Earn $300 after qualified activities until 12.13.24 with the no-monthly-maintenance-fee Key Smart Checking®.

Open a Key Smart Checking® account online by December 13, 2024.
Make the minimum opening deposit of $10, plus one eligible direct deposit of at least $1,000 within the first 60 days of account opening.
Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.

Member FDIC

Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

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Expires 12/31/2024

The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
The offer is for new eligible business checking customers only.
Offer expires 12/31/2024.
To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
Additional terms and conditions apply. See offer page for more details.
*New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
Bank of America, N.A. Member FDIC

Member FDIC

U.S. Bank Smartly® Checking - Up to $450 Bonus

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Expires 12/30/2024

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.

Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

Enroll in online banking or the U.S. Bank Mobile App
Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.

Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

Member FDIC

Discover® Online Savings - $200 Cash Bonus

Get Deal

Expires 3/13/2025

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.

Articles on M&T Bank

M&T Bank Review

If you are on the upper East Coast, you probably see M&T Bank frequently. With a free checking option and a range of deposit accounts, does it meet your needs?