M&T Bank is considered one of the country's most highly regarded regional banks. We were founded more than 145 years ago in Western New York, where we are still headquartered. Our parent company, M&T Bank Corporation, had over $55 billion in assets as of December 31, 2005 and is one of the 20 largest commercial bank holding companies in the U.S. Our customers are able to bank at over 650 branches throughout New York, Maryland, Pennsylvania, Washington, D.C., Virginia, West Virginia and Delaware and be served by friendly and professional staff. In addition, our customers have access to a sizable ATM network of more than 1,500 locations as well as state-of-the-art telephone and Web Banking. M&T Bank is recognized for its financial strength and sound management. This strength, along with our entrepreneurial philosophy, has made it possible for us to pursue a course of well-managed growth.

At M&T Bank, we've built our business on a tradition of reliability, accuracy and responsiveness to the needs of our customers. We also believe strongly in taking an active role in the communities we serve. We are proud of our long history of civic and charitable support, including the leadership and volunteer efforts of our employees. We also feel that our focus on investing in state-of-the-art technology in order to provide high-quality banking services has been strongly endorsed by our customers. Most importantly, it has allowed us to grow without sacrificing our commitment to personal service. At M&T Bank, we pledge to work hard to earn your trust and your business. At M&T, you'll find that we are committed to understanding what's important to you, so we can provide the best solutions for all your financial needs.

M&T's Vision Statement:M&T strives to be the best company our employees ever work for, the best bank our customers ever do business with and the best investment our shareholders ever make.

Checking and Savings

At M&T Bank, we offer a comprehensive selection of business checking and savings accounts designed to help you manage your money and help your business grow. Click here to read about Cash Concentration and Deposit Reconciliation services.

Checking Accounts

Corporate Checking

Comprehensive banking services at a competitive price

Fixed monthly maintenance fee

Earnings credit rate may offset service charges

FDIC Coverage


Corporate Not For Profit NOW

Fixed monthly maintenance fee

Tiered interest rates

FDIC Coverage

Savings Accounts

Commercial Savings

Competitive rates

FDIC Coverage


Commercial Money Market Savings

Tiered interest rates for higher savings balances

FDIC Coverage

Time Deposits

Competitive fixed rates

FDIC Coverage

Terms ranging from 8 days to 10 years

Online access for 24-hour convenience

Banking Services For Your Employees

M&T Bank recognizes that your employees play a key role in your company's success. We offer many programs to help you attract and retain good employees. We can also help you and your employees save for retirement while keeping benefit costs in line.

Employee Benefit Services

401(k)

Profit Sharing

Money Purchase Pension Plans

Simple Plan

Non-Qualified Deferred Compensation Plan

Employee Banking Packages

M&T Select - Our premier personal relationship package offers your key employees money-saving banking benefits like free checking, free PC Banking, preferred personal loan rates, and more!

• M&T Direct Checking - Your employees can receive many banking benefits when they have their paycheck automatically deposited into an M&T checking account including free checking and preferred loan rates.

Bank@Work

Payroll and Direct Deposit Services through M&T's Bank@Work program. Bank@Work goes beyond traditional banking by offering creative solutions to many of the issues concerning today's businesses.

Retirement Planning

• M&T Securities, Inc. - Provides a wide range of investment products and services to help you and your employees invest in their financial future.
  
• Private Client Services - Helps individuals build, maintain and pass on their assets through a variety of financial services.