M&T Bank

• Build it yourself account
• Savings account
• Auto loans

Build it Yourself

• No M&T Fee at Other Banks' ATMs
• Refund of Other Banks' ATM Fee
• No Fee for Overdraft Protection Transfers

• Standard Checks & Safe Deposit Box
• Credit Score

M&T Personal Checking Account

• No monthly fee when customer completes at least one monthly deposit or transaction. This can be anything from a cash, check or direct deposit or a debit card purchase.
• $4.95 monthly fee for individual add-on account features
• $0 Non-sufficient funds (NSF) or overdraft fee if customer does not have sufficient available funds in their checking account to cover a transaction of less than $5.

M&T Savings Account

• No minimum balance
• No monthly maintenance charge
• Six free withdrawals and transfers per month ($12.50 for withdrawals and transfers in excess of 6 per monthly service charge cycle)

• No monthly maintenance fee when customers maintain a $1,500 minimum Average Ledger Balance
• $5 monthly maintenance fee when enrolled in monthly electronic statement delivery and Business and Average Ledger Balance is less than $1,500
• With paper monthly statements and Average Ledger Balance is less than $1,500, there is a $10 monthly maintenance fee
• No charge for first 100 transaction items per month and first $5,000 currency deposited per month
• ATM, Telephone and online access
• M&T Business Debit Card with chip technology

• Access to a revolving line of credit up to the available line amount
• With a special loan lock-in feature, customers can lock in up to three loan segments within their approved credit limit at a fixed rate and fixed term. No additional paperwork or approvals are necessary
• Make interest only payments on the Line of Credit portion for the first 10 years or pay principal and interest
• Pay finance charges only for the amount of money being utilized
• No Application Fee or Processing Fee
• One monthly payment and statement encompassing all account activity
• Access to funds through convenience checks or M&T Online Banking
• Variable Interest Rate
• Interest may be tax deductible
• No closing costs
• Subject to 36 month early closing
• Maximum Loan to Value (LTV) 85%
• Minimum Loan Amount $5000
• Maximum loan amount $500,005

Auto Loans

• New/Used cars or trucks
• Minimum to borrow $2,000
• Fixed rates
• Terms up to 72 months
• Fast approval
• Payment calculator
• Promise of prompt professional attention
• Buy from a dealership or private party

• Disadvantages
• Custom add-ons

Disadvantages

• To open an M&T Select CD, customers MUST have or open an M&T Checking Account .
• A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Offer not available for non-personal accounts and may not be available at all M&T Bank branches. Maximum deposit is $1 million per customer. Advertised APYs cannot be combined with any other offer. Rates are subject to change without notice.
• Savings Account interest rates are variable, so the current rate when opening the account can change.

Custom Add-ons

• An M&T ATM Card or Debit Card for Custom Add-ons relating to ATM fees
• Enroll in Credit Score
• Order checks
• Open and link an overdraft protection account
• Open a safe deposit box.