The M&T Mobile Banking App: Now With More of What’s Important – including Zelle®!
Banking should be simple, quick and convenient; that’s the idea behind the M&T Mobile Banking App² built for both personal and business customers. With a design that’s clean and easy to use, you can check balances, deposit checks, manage M&T Alerts, review and search for transactions and send payments – fast.
- Access your M&T personal and business accounts.
- Important information – like available balances and credit limits
- Search transactions and view deposited and cleared checks.
SEND MONEY WITH ZELLE¹
- Send, receive, and request money from an eligible checking or savings account using a U.S. mobile number or email address to almost anyone with a bank account in the U.S.
- Deposit checks directly from your phone at no extra M&T charge.²,³
- Make same-business-day check deposits until 10 pm ET.³
MANAGE AND RECEIVE M&T ALERTS²
- Sign up for M&T Alerts and get timely balance and transaction updates via email, text message, and app notifications.
LOG IN WITH TOUCH ID
- Quickly make payments to almost anyone⁴ – with the confidence of our Bill Pay Guarantee⁵.
- Easily move funds between all eligible M&T accounts.
MANAGE DEBIT AND CREDIT CARDS
- Order Replacement Debit Cards and Credit Cards (Personal accounts only)
- Report Lost or Stolen Debit Cards and Credit Cards (Personal accounts only)
- Add Authorized Users to your Credit Card (Personal and Business accounts)
¹ Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
² 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 Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. View the M&T Digital Services Agreement for additional details.
³ Deposits are subject to verification. Funds from mobile check deposits will not be 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.
⁴ 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. Payees can only be added or edited, and recurring payments can only be scheduled through M&T Online Banking.
⁵ To learn more about the Bill Pay Guarantee visit mtb.com/billpay
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 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 full details.
Zelle® and the Zelle related marks and logos are the property of Early Warning Services, LLC.
Equal Housing Lender. © 2019 M&T Bank. Member FDIC.
Enhancements to the Mobile Check Deposit experience.
- Introducing M&T Flash Funds – a feature that offers eligible users the option to deposit qualifying checks with immediate availability, for a fee.
Ratings and Reviews
Too many avoidable issues
When this app works, it’s fine. Nothing fancy but it lets you check your accounts, make transfers, etc. My gripe is that seemingly minor issues occur far too often. Half the time I go to use the mobile check deposit it’s down for some reason (And I use it at most three times a month). Sometimes I can’t even log in at all from the app (says online banking is “unavailable”)but I can from a computer. And just now, the thing that compelled me to write this review, I tried to log into the app to check my account quickly and the app is telling me it needs an update even though it’s fully updated. Fix your app please, it should not be this frustrating to use a basic banking app.
Update 3/6/19: And, it’s happening again. PLEASE STOP FORCING THE APP TO REQUIRE AN UPDATE BEFORE YOU ACTUALLY PUSH THE UPDATE OUT IN THE APP STORE!!! This is the second time in about a month that this has happened. I just want to check my account and the app is unusable because it’s requiring an update that isn’t actually available in the store. Been like this for over 2 hours and counting. This is ridiculous. This should be common sense. Make the update available through the store first, THEN require the app to be updated. This is the sort of simple thing that whoever is working on this app seems to consistently get wrong, and it makes no sense at all.
Needs some serious improvements
All I want to be able to do is use this app to the fullest extent of it’s supposed “ability” but I can’t even do that. All I can do is log in and go to the main page and see my checking balance and my savings balance. Every other thing I try to do, whether it be deposit a check, transfer between accounts, or use the built in Zelle feature, comes up with the same message: Mobile banking is temporarily unavailable. “We are sorry for the inconvenience.” I’ve had this problem since the day I downloaded this app (about two months ago) and I figured it would be solved within a week or two but the issue has persisted. I’ve tried everything; resetting it, uninstall and reinstall, etc etc. NOTHING WORKS!!! Please make it so I can at least deposit a check or something because this is too much. The company I work for does not do direct deposit due to it being a locally run business with a whole lot of employees, so having to go to the bank and deposit my checks every week is really annoying, especially when I should be able to just do it through the app. The least you could do is roll out an update sometime in the near future that addresses this problem!!!
Not so hot
They have since added the ability to deposit a check and fingerprint scan log in. Now if they could just support Face ID...
Old: I gave this app a two-star rating, instead of one star, because it has some useful features, although it could use many upgrades. I like that I can check the balance of both my checking and savings accounts, as well as make transfers between the two. However, that is about all I use the app for. Even doing these two basic functions can be a problem. Almost every time I attempt to use the app, I have to log in a number of times before it works. It often gives me a message saying, "unable to log in," and then once I finally get into my account and try to view my Account Summary, it says, "system unavailable, please try again later." I originally thought this only happened in areas where I had low service, but I have since used it with 3 bars of service and 3G coverage, as well as on wifi, and have encountered the same problem. I also do not like that I can't deposit a check through the app or use a fingerprint to log in. It seems this app has too many glitches and too few features to be worth it.
With Family Sharing set up, up to six family members can use this app.