M&T Mobile Banking

M&T Bank

About this app

Bank quickly and get back to what matters most to you – that’s the idea behind the M&T Mobile Banking App¹ built for both personal and business customers.

Access your Account Conveniently
•  See available balances, transactions, credit limits, and check images
•  Centralize finances, categorize transactions, customize budgets, and track spending, for your personal accounts, with M&T Money Smart
Bank Securely
•  Access your accounts with your passcode, fingerprint, or facial recognition on compatible devices
•  Get notified with M&T Alerts through text, email, or app notification
Move Money Swiftly
•  Send money with Zelle®¹ to almost anyone with a bank account in the U.S.
•  Deposit Checks
•  Use M&T Flash Funds™ to deposit qualifying checks with immediate availability²
•  Transfer funds between M&T accounts or make M&T loan & credit card payments•  Pay bills with the confidence of our M&T Bill Pay Guarantee³
Manage your Card Easily
•  Take charge of your personal M&T debit and credit card with the ability to temporarily lock it, report it lost or stolen, and order a replacement
•  Add authorized users to your personal and business M&T credit cards
•  View your M&T credit card rewards points and access your rewards account
Reach Us Readily
•  Call us, using any one of our contact numbers
•  Search FAQs for help with questions
•  Find the branch and ATM nearest to you


Disclosures:
¹Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Zelle® and the Zelle related marks and logos are property of Early Warning Services, LLC.
²The fee for this service is 2% of the total check amount ($2 minimum charge). If the deposit is made during our nightly processing, it will not be available to pay debit items that are processed for payment during that night’s processing. However, it would be immediately available for withdrawal.³To learn more about the Bill Pay Guarantee visit mtb.com/billpay

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 full details.

Refer to the Digital Services Agreement for details

Equal Housing Lender. © 2021 M&T Bank. Member FDIC.

Ratings and reviews

Works. Load times are fairly long and responses sometimes don't register, transferring money can sometimes be a pain when you set up a reoccurring transfer with no end date. It may work the first time or first couple of times, but eventually you'll have to set it back up since it deletes itself.

App won't open. Just sits at splash screen. Also from previous use, this app asks for too many permissions. There's no reason location should be needed for this type of app unless looking for nearby ATMs. Storage should not be needed either unless you're storing or reading data from the phone. Contacts should not be needed either. Your mobile website does not work either. Impossible to log in. Keep getting an error about wrong passcode or username. Works on desktop tho

Between all the banks I use, Chase, ESL and even a smaller FCU, this by far is the least optimized app. The fact the app directs you to a web browser for transactions or account functions instead of just using the app itself is a bit inexcusable in 2024. A user should be able to complete all, or at the very least most functions of a banking app within the app without being redirected. You have the funds to develop a stellar app, just seems like corporate greed/laziness truly.

What's new

Thank you for choosing M&T Mobile Banking. We are always looking to improve our experience to make banking with us easy. The updated version includes:
- Upgrades to improve performance and reliability
- Other minor fixes and updates