M&T Bank, headquartered in Buffalo, New York, is one of the oldest and largest regional banks in the United States. Founded in 1856, M&T Bank has served communities for over 168 years and now operates 780+ branches across 12 states. This comprehensive guide covers everything you need to know about M&T Bank online banking login, mobile app access, and account management.
M&T Bank Quick Facts
| Founded | 1856 (Buffalo, New York) |
| Headquarters | Buffalo, New York |
| Total Assets | $211+ billion (Q3 2026) |
| Branches | 780+ locations |
| ATMs | 2,200+ nationwide |
| Employees | 22,000+ |
| States Served | 12 (NY, NJ, PA, MD, DE, VA, WV, DC, CT, VT, NH, ME) |
| Customer Service | 1-800-724-2440 (24/7) |
| Website | mtb.com |
How to Log In to M&T Bank Online Banking
Desktop Login Steps
- Visit mtb.com in your web browser
- Click the “Sign In” button in the top right corner
- Enter your User ID in the first field
- Click “Continue”
- Enter your Password on the next screen
- Complete any additional security verification if prompted
- Click “Sign In” to access your accounts
Mobile App Login Steps
- Download the M&T Mobile Banking app (iOS or Android)
- Open the app on your smartphone
- Enter your User ID
- Tap “Continue”
- Enter your Password
- Enable Face ID, Touch ID, or fingerprint for faster future logins
- You’re now logged in to your M&T accounts
First-Time User Enrollment
If you’re new to M&T Bank online banking, follow these steps to set up your account:
- Go to mtb.com and click “Sign In”
- Click “Enroll Now” or “First Time User” below the login fields
- Enter your M&T Account Number or Debit Card Number
- Provide your Social Security Number for identity verification
- Enter your Date of Birth
- Create a unique User ID (this will be your login username)
- Create a strong Password (must include uppercase, lowercase, numbers, and special characters)
- Set up your Security Questions for account recovery
- Verify your email address and phone number
- Review and accept the Online Banking Agreement
M&T Mobile Banking App Features
The M&T Mobile Banking app offers comprehensive features for managing your finances on the go:
Account Management
- Quick Balance – View account balances without logging in
- Transaction History – See recent transactions with check images
- Credit Limits – Monitor available credit on cards and lines
- Account Statements – Access and download statements
M&T Money Smart
- All Accounts in One Place – Link M&T and non-M&T accounts together
- Net Worth Tracking – See your complete financial picture
- Budget Tools – Create and monitor custom budgets
- Spending Categories – Automatic transaction categorization
- Cash Flow Analysis – Track money in and money out
Money Transfers and Payments
- Zelle – Send and receive money instantly to people you know
- Bill Pay – Schedule one-time or recurring payments
- Internal Transfers – Move money between M&T accounts
- Loan Payments – Make payments to M&T loans and credit cards
Mobile Check Deposit
- Same Business-Day Deposits – Deposit checks until 10 PM ET
- M&T Flash Funds – Option for immediate availability (fee applies)
- Check Images – View deposited and cleared checks in the app
- No Extra Charge – Standard mobile deposits are free
Card Controls
- Card Freeze – Temporarily freeze or unfreeze debit/credit cards
- Transaction Alerts – Real-time notifications for purchases
- Authorized Users – Add and manage authorized users on credit cards
- Spend Limits – Set spending limits for authorized users
Security Features
- Biometric Login – Face ID, Touch ID, or fingerprint authentication
- Fraud Alerts – Instant notifications for suspicious activity
- Digital Wallet – Virtual card numbers for added protection
- Device Security – Multi-factor authentication
Troubleshooting Login Issues
Forgot User ID
- Go to mtb.com and click “Sign In”
- Click “Forgot User ID” below the login fields
- Enter your account number or debit card number
- Verify your identity with your SSN and date of birth
- Your User ID will be displayed or emailed to you
Forgot Password
- Click “Forgot Password” on the login screen
- Enter your User ID
- Answer your security questions OR receive a verification code
- Create a new password following M&T’s requirements
- Log in with your new password
Account Locked
If your account is locked due to multiple failed login attempts:
- Wait 30 minutes and try again with correct credentials
- Use the “Forgot Password” option to reset your password
- Call M&T Customer Service at 1-800-724-2440 (available 24/7)
- Visit any M&T Bank branch with valid ID for assistance
App Not Loading
- Ensure you have a stable internet connection
- Update to the latest version of the M&T Mobile Banking app
- Clear app cache and data (Android) or reinstall the app (iOS)
- Check if M&T is experiencing system maintenance
- Try logging in via the website at mtb.com
Security Reminder: M&T Bank will NEVER ask for your password, PIN, or one-time passcode via email, text, or phone call. If you receive such a request, do not respond and report it to M&T immediately at 1-800-724-2440.
M&T Bank Customer Reviews
Customer satisfaction ratings for M&T Bank from major review platforms:
| Platform | Rating | Reviews |
| Trustpilot | 1.3/5 | 169+ reviews |
| WalletHub | 3.0/5 | 1,799+ reviews |
| Consumer Affairs | 3.5/5 | Verified customers |
| J.D. Power (Mortgage) | Below Average | 2024 Study |
Common Positive Feedback:
- Extensive branch network in the Northeast
- Comprehensive mobile app features
- Strong community banking presence
- Competitive mortgage products
- Long operating history and stability
Common Concerns:
- Customer service wait times
- Fee structures
- Mobile app loading issues
- Integration challenges following People’s United merger
M&T Bank Contact Information
| Department | Phone Number | Hours |
| General Customer Service | 1-800-724-2440 | 24/7 |
| Online and Mobile Banking | 1-800-790-9130 | Mon-Fri 8AM-9PM, Sat-Sun 9AM-5PM ET |
| Business Banking | 1-800-724-6070 | Mon-Fri 8AM-8PM ET |
| Mortgage Services | 1-800-724-2224 | Mon-Fri 8AM-8PM ET |
| Mortgage Transfers | 1-866-462-0888 | Mon-Fri 6AM-9PM, Sat-Sun 9AM-5PM ET |
| Credit Card Services | 1-866-462-0888 | Mon-Fri 6AM-9PM, Sat-Sun 9AM-5PM ET |
| Treasury Management | 1-800-724-2240 | Mon-Fri 8AM-6PM ET |
| International Callers | +1-410-949-1000 | Varies by department |
| Report Fraud | 1-800-724-2440 | 24/7 |
| Lost/Stolen Card | 1-800-724-2440 | 24/7 |
About M&T Bank: 168 Years of Community Banking
M&T Bank has a rich history spanning over 168 years, making it one of the oldest continuously operating banks in the United States.
Founding Story
The Manufacturers and Traders Trust Company was founded on August 29, 1856, in Buffalo, New York, by businessmen Pascal Pratt and Bronson Rumsey. At the time, existing banks in Buffalo were unable to provide the long-term loans needed to finance manufacturing equipment for the region’s growing industrial sector.
Pratt and Rumsey saw an opportunity and established a new bank with an initial capital of $200,000. The first office opened at 2 East Swan Street in Buffalo. Henry Martin, former president of the Attica and Buffalo Railroad, was appointed the first president with a salary of $1,000 per year.
Key Milestones
- 1856 – Founded as Manufacturers and Traders Trust Company
- 1969 – Stockholders create First Empire State Corporation (holding company)
- 2006 – Celebrated 150th anniversary
- 2022 – Completed $8.3 billion acquisition of People’s United Financial
- 2026 – Operates 780+ branches with $211+ billion in assets
People’s United Acquisition (2022)
On April 2, 2022, M&T Bank completed its landmark $8.3 billion acquisition of People’s United Financial, Inc. This merger created a $200 billion banking franchise serving communities in the Northeast and Mid-Atlantic from Maine to Virginia and Washington, D.C.
The combined company now employs over 22,000 people and operates a network of more than 1,000 branches and 2,200 ATMs spanning 12 states. This was one of the largest bank mergers of 2022 and significantly expanded M&T’s footprint into New England.
Today
M&T Bank Corporation is now the 17th largest commercial bank in the United States. With total assets exceeding $211 billion (Q3 2026), the bank continues its tradition of community-focused banking while offering comprehensive digital services to meet modern customer needs.
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Frequently Asked Questions
How do I log in to M&T Bank online banking?
Visit mtb.com, click “Sign In” in the top right corner, enter your User ID and password, then complete any additional security verification. You can also use the M&T Mobile Banking app on your smartphone with Face ID or fingerprint login.
What is M&T Bank’s customer service number?
M&T Bank’s main customer service number is 1-800-724-2440, available 24 hours a day, 7 days a week. For online banking issues specifically, call 1-800-790-9130 (Mon-Fri 8AM-9PM, Sat-Sun 9AM-5PM ET).
How do I reset my M&T Bank password?
Click “Forgot Password” on the M&T login page, enter your User ID, verify your identity through security questions or a verification code, then create a new password meeting M&T’s security requirements.
What happened to People’s United Bank accounts?
M&T Bank completed its acquisition of People’s United Financial in April 2022. Former People’s United customers were migrated to M&T systems and now use M&T Bank’s online banking, mobile app, and services. All People’s United branches now operate as M&T Bank locations.
Is M&T Bank the same as People’s United Bank?
Yes, M&T Bank acquired People’s United Financial in 2022. The brands have been fully integrated, and all former People’s United customers are now M&T Bank customers with access to M&T’s full range of products and services.
How do I deposit a check using the M&T mobile app?
Open the M&T Mobile Banking app, log in, select “Deposit” or “Mobile Deposit,” choose the account for deposit, enter the check amount, take photos of the front and back of the endorsed check, and submit. Deposits made by 10 PM ET are processed the same business day.
What states does M&T Bank serve?
M&T Bank operates branches in 12 states: New York, New Jersey, Pennsylvania, Maryland, Delaware, Virginia, West Virginia, Washington D.C., Connecticut, Vermont, New Hampshire, and Maine. Many services are also available nationwide through online banking.
Does M&T Bank have Zelle?
Yes, M&T Bank offers Zelle directly through its mobile app and online banking. You can send and receive money to people you know and trust instantly using their email address or mobile phone number.
Last updated: January 2026. Information is believed to be accurate but may change. Always verify with M&T Bank directly for the most current information.
Last Updated on January 4, 2026
URL: https://log-in.me/mt-bank-login/