Effortless Account Management: Your Guide to M&T Bank's Digital Services

In today's fast-paced world, managing your finances should be as convenient as possible. M&T Bank offers a suite of digital services designed to streamline your banking experience. From accessing your account to managing your cards, this guide will walk you through the features that make banking with M&T Bank both secure and efficient.

Access Your Account with Ease

With M&T Bank, you can effortlessly access your account anytime, anywhere. Here’s what you can do:

• View your available balances, recent transactions, credit limits, and even check images.
• Utilize M&T Money Smart to centralize your finances. This tool allows you to categorize transactions, customize budgets, and track your spending across personal accounts.

Secure Banking at Your Fingertips

Your security is paramount. M&T Bank provides multiple ways to access your accounts safely:

• Log in using your passcode, or take advantage of biometric options like fingerprint or facial recognition on compatible devices.
• Stay informed with M&T Alerts. Receive notifications via text, email, or app alerts to keep track of your account activity.

Swift Money Transfers

Moving money has never been easier. M&T Bank offers several options for quick transactions:

• Send money instantly with Zelle® to almost anyone with a U.S. bank account.
• Deposit checks conveniently using M&T Flash Funds™, which allows for immediate availability of qualifying checks.
• Transfer funds between your M&T accounts or make payments on M&T loans and credit cards with ease.
• Pay your bills confidently with the M&T Bill Pay Guarantee, ensuring your payments are processed securely.

Effortless Card Management

Take control of your M&T debit and credit cards with these user-friendly features:

• Temporarily lock your card, report it lost or stolen, and order a replacement directly through the app.
• Add authorized users to your personal and business credit cards for added convenience.
• Monitor your credit card rewards points and access your rewards account easily.

Reach Out for Support Anytime

Need assistance? M&T Bank makes it easy to get the help you need:

• Contact us directly using any of our customer service numbers.
• Browse our FAQs for quick answers to common questions.
• Locate the nearest branch or ATM to you for in-person support.

Important Disclosures

Before utilizing M&T Bank's services, please note the following:

• To use Zelle, you must have a U.S. bank account. Transactions typically occur within minutes if the recipient is already enrolled with Zelle.
• For M&T Flash Funds™, a fee of 2% of the total check amount applies, with a minimum charge of $2.
• For more information on the Bill Pay Guarantee, visit mtb.com/billpay.

All advertised offers and terms are subject to change without notice. After opening an account or starting a service, you agree to its features, conditions, and terms, which may change in accordance with applicable laws. For full details, please contact an M&T representative.

For more information, refer to the Digital Services Agreement.

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