M&T Mobile Online Banking App | Apple iOS | Android

The M&T banking apps allow it clients to conduct financial activity on their mobile devices.

mtb mobile app

mtb mobile app

The applications allow a user to do the following;


  • Simple
  • Fast


  • Still need some improvements in its mobile functions

Text Banking

M&T also offers a Text Banking service. Its really simple and useful for those who need quick answers about their accounts anytime.

It`s really easy to enroll, all you have to do is:

  • Log in to your online banking
  • Select “Update M&T Mobile Banking Preferences”
  • Select “Update Your Mobile Phones”

After that, you can start using this service.

Send a text message to MandT (62638) with any of the commands below:

  • BAL or B to view your account balances
  • HIST or H to view your last five transactions
  • DEP or D to view your last five deposits
  • WITH or W to view your last five withdrawals
  • ATM + space + 5-digit ZIP code to view nearby ATMs
  • BRANCH + space + 5-digit ZIP code to view nearby branches
  • STOP to cancel
  • HELP for help

If you still have any doubt click here to be redirected to the  M&T Text Banking page.


M&T Assurance® for Online & Mobile Banking

At M&T Bank, we’re committed to protecting your online and mobile experience.

We offer several security assurances to help protect your information.

​We help protect your personal information with digital security features.

M&T Online Banking and M&T Mobile Banking use 256-bit SSL encryption and will automatically log you out of an inactive session. Online Banking also uses IP address recognition and asks security questions to assist in authentication.

​We respect your privacy.

Your online activities are protected by our Internet Privacy Policy. It describes how the M&T website may collect, use and share information from or about you, and explains how the information may be shared or used.

​We guarantee your M&T Bill Pay payments will be delivered on schedule.

The Bill Pay Guarantee covers up to $50 in late fees if your scheduled payment arrives late. Certain conditions and restrictions apply.

1. Consumer Deposit Accounts

The Consumer Financial Protection Bureau’s Regulation E (“Regulation E”) provides a basic framework that establishes the rights, liabilities and responsibilities of participants in “electronic fund transfer” systems. This framework provides consumers with certain protections for personal deposit accounts. A “consumer” means a natural person and, therefore, Regulation E protections apply to consumer accounts established primarily for personal, family or household purposes.

The term “electronic fund transfer” (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer or magnetic tape that instructs a financial institution either to credit or debit a consumer’s deposit account. Examples of electronic fund transfers include automated teller machine (ATM) transactions, point-of-sale (POS) or purchase transactions done using a debit card and preauthorized transfers from or to an account (such as direct deposits). In addition, transactions performed using M&T Online Banking services are also covered under Regulation E.

Regulation E has a variety of consumer protections. By example, Regulation E helps protect consumers against losses relating to unauthorized electronic fund transfer(s) involving their M&T personal deposit accounts.

Your Liability for Unauthorized Transfers or Payments: Tell us AT ONCE if you believe your access device, access codes, user identification or passcode has been taken or used without your permission. If you notify us within two (2) business days after you learn of the loss or theft of your account access device, user identification or passcode, the most you can lose is $50 if someone accesses your account through that device. Failure to notify the bank within two business days may result in losses up to $500. Also, if your statement shows EFT(s) that you did not make, tell M&T Bank at once. If you do not tell M&T Bank within 60 days after the statement was mailed or otherwise made available to you, you may not get back any money you lost after the 60 days if M&T Bank can prove that the bank could have stopped someone from accessing your funds if you had told the bank in time.

For more information on the above and regarding other Regulation E protections involving your personal deposit accounts at M&T Bank, please refer to the relevant M&T account related agreements, documents and/or disclosures (e.g., the M&T Digital Services Agreement, M&T Bank General Deposit Account Agreement, and the M&T Bank Electronic Banking Card and Telephone Transaction Disclosure and Agreement).

If you believe that your user identification, passcode or access codes have been lost or stolen or that someone has made payments, transferred, or may transfer money from your consumer deposit account without your permission, notify us AT ONCE by:

  • Calling us at: 1-800-790-9130
  • ​Writing us at: M&T Bank, P.O. Box 4627, Buffalo, New York 14240-4627

NOTE: Lending accounts, such as credit cards, may have other protections concerning unauthorized transactions. Please inquire for details. Also, non-consumer deposit accounts offered by M&T Bank (e.g., commercial or business banking customer accounts) are not protected by Regulation E.

2. Non-Consumer Deposit Accounts

Any non-consumer deposit accounts offered by M&T Bank (e.g., commercial or business banking customer accounts) are not protected by the Consumer Financial Protection Bureau’s Regulation E (“Regulation E”). Please refer to the relevant agreements with M&T Bank (e.g., Commercial Deposit Account Agreement, M&T Digital Services Agreement, and the Electronic Banking Agreement for Businesses) for information on rights, liabilities and responsibilities for participants in electronic fund transfers in the non-consumer setting.

Get Started Today 1-800-724-2440

​Your personal accounts are protected against fraud.

For personal deposit accounts (established for household use), you are protected by federal law against liability for unauthorized electronic fund transfers.

Read About Regulation E Protections >

Non-consumer accounts (such as corporate accounts and partnership accounts) and investment transactions are not covered by the fraud protections mentioned above. Please review the Digital Services Agreement for more information.

Learn what you can do to protect yourself online.

For information and tips on how you can help protect your personal and financial information, visit our Banking Security Center.

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