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Disclosures:

  1. Disclosure reference d195

    The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T 萌妹社区 immediately of any unauthorized use. See your cardholder agreement for more details.

    link back to first instance of disclosure callout d195
  2. Disclosure reference d832

    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 萌妹社区ing Card for Consumer Checking and Savings Accounts, which are available on request at any M&T banking office or through M&T鈥檚 Contact Center. Overdraft fees will not be charged to a MyWay 萌妹社区ing account.

    link back to first instance of disclosure callout d832
  3. Disclosure reference d1081

    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.听MyWay banking accounts are not eligible to be linked to an Overdraft Line of Credit.

    link back to first instance of disclosure callout d1081
  4. Disclosure reference d1082

    M&T will reimburse the checking account听(up to $2 per transaction听or full fee amount for accounts opened in the state of NJ) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, D.C.

    link back to first instance of disclosure callout d1082
  5. Disclosure reference d496

    Fees and account features will vary by region.

    link back to first instance of disclosure callout d496
  6. Disclosure reference d365

    MyChoice Plus Checking is available with or without interest.听

    link back to first instance of disclosure callout d365
  7. Disclosure reference d835

    Loans are subject to credit approval and certain limitations may apply.

    link back to first instance of disclosure callout d835
  8. Disclosure reference d1083

    M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, D.C.

    link back to first instance of disclosure callout d1083
  9. Disclosure reference d371

    No fee for standard checks and 50% discount on other check styles.

    link back to first instance of disclosure callout d371
  10. Disclosure reference d52601

    Maintain combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances and investments.听 For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through M&T鈥檚 Contact Center.

    link back to first instance of disclosure callout d52601
  11. Disclosure reference d941

    Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.

    link back to first instance of disclosure callout d941
  12. Disclosure reference d391

    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.听

    link back to first instance of disclosure callout d391
  13. Disclosure reference d487

    U.S. checking or savings account required to use Zelle庐. Transactions between enrolled consumers typically occur in minutes. Zelle庐 and the Zelle庐 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.

    link back to first instance of disclosure callout d487
  14. Disclosure reference d685

    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.

    link back to first instance of disclosure callout d685
  15. Disclosure reference d221

    Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T 萌妹社区 is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T 萌妹社区 reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online 萌妹社区ing. View the M&T Digital Services Agreement for additional details.

    link back to first instance of disclosure callout d221
  16. Disclosure reference d1060

    M&T 萌妹社区 Alerts are available for your M&T Card through M&T Online 萌妹社区ing. Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, 鈥渟uspicious activity鈥� and 鈥渃ard PIN change鈥� email alerts cannot be disabled. M&T 萌妹社区 is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier鈥檚 text messaging and data charges may apply.

    link back to first instance of disclosure callout d1060
  17. Disclosure reference d1242

    Terms & Conditions apply and are available at mtb.com/ReferFriends. Reward cards will be delivered 4 to 6 weeks after the qualifying criteria is met.听 This offer is not available for California residents.听Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

    link back to first instance of disclosure callout d1242

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 a 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 details.

MyWay 萌妹社区ing from M&T 萌妹社区庐 is considered a Connecticut Basic 萌妹社区ing Account.

EZChoice Checking is considered a New York Basic 萌妹社区ing Account and a New Jersey Consumer Checking Account.

All checking accounts require a minimum $25 opening deposit. All M&T checking accounts are subject to M&T standard account agreements.

J.D. Power 2024 U.S. 萌妹社区ing Mobile App Satisfaction Study; among banks with $70B to $200B in deposits. Visit听jdpower.com/awards听for more details.

Apple and the Apple logo are trademarks of听Apple Inc., registered in the U.S. and other countries.听App Store听is a service mark of听Apple Inc.,听registered in the U.S. and other countries

Visa庐 is a registered trademark of Visa International Service Association.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

鈥婽he Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.听

M&T 萌妹社区 is not endorsed, sponsored, affiliated with or otherwise authorized by Apple Inc. Google LLC or Samsung Electronics Co, Ltd.

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Wilmington Advisors @ M&T professionals offer holistic financial planning guidance on retirement, education, and insurance. Wilmington Advisors @ M&T is a brand name used by M&T �������� employees who are registered representatives with LPL Financial (LPL). Products/services on this site are offered through LPL or its affiliates - entities that are separate from and not affiliates of M&T ��������.

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