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. © 2026 M&T Bank. Member FDIC.

Ratings and reviews

App Sucks Now! Are you people really going to sit there and have more and more people give you 1 star because you can't fix the mobile app? It crashes constantly and keeps asking to confirm my email or phone number even though I select the "save this device box" so it can stop asking me that. I liked the old log in. At least it didn't keep logging me out randomly when I was looking at my account! Now I can't look at my account for more than 30 sec before getting kicked out!!!

I have had to reinstall this multiple times in the past month. I got stuck in a login loop. and had to use the desktop site on my phone. The transfer I made did not go through, but took me a couple of days to realize; so, my overdraft kicked in multiple times. I haven't looked at that account, because I'm afraid lose it when I see all the charges. Modernizing is cool, but if I can't access my accounts, what's the point? And let's be honest, branch employees can't help with the app.

I loved this app before the update. Now it's just aggravating. Who wants to verify their device with a code EVERY TIME they log in, after checking the remember this device box? Not to mention that it somehow won't use the saved password for the mobile app, forcing me to type it every time. If I wanted to use the website I would go to the website! Fix this!

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:
- Minor fixes and updates