M&T Bank
Review the qualification steps, fees, deadline, and official source before opening this account.
Current bonus
$400
Aug 31, 2026
Verification
Verified Aug 22, 2026
Requirements completeness
100%
Deposit requirement
Not listed as required
Related offers
More from this bank
Review every currently tracked promotion from this institution before choosing an account.
M&T Bank
Current opportunity
Current bonus
$400
Est. net value $399.51
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combined daily aver t | ESign Consent | Terms of Use Global Include Disclosures: Disclosure reference d2068 To receive the “Bonus” : open a new EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account between 7/6/26-8/31/26 AND set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through Internet payment services, do not qualify. The Bonus will be credited to the account within 90 days of the account receiving the qualifying direct deposits, the account is open and all eligibility requirements have been satisfied. The promo code is required at onus” : open a new EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account between 7/6/26-8/31/26 AND set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through Internet payment services, do not qualify. The Bonus will be credited to the account within 90 days of the account receiving the qualifying direct deposits, the account is open and all eligibility requirements have been satisfied. The promo code is required at account opening to qualify for the Bonus. Only one Bonus will be awarded per customer and only the primary signer on the new checking accoun r electronic money transfers, such as those made through Internet payment services, do not qualify. The Bonus will be credited to the account within 90 days of the account receiving the qualifying direct deposits, the account is open and all eligibility requirements have been satisfied. The promo code is required at account opening to qualify for the Bonus. Only one Bonus will be awarded per customer and only the primary signer on the new checking account is eligible. This offer is not available to anyone that has received a cash Bonus for a personal M&T checking account within the last 12 months, employees of M&T Bank or any of its affiliates. Offers may vary by product and region, are not transferable and are reportable for tax purposes. link back to first instance of disclosure callout d2068 Disclosure reference d2123 MyChoice Premium Checking: The minimum deposit required to open the account is $25. The Annual Percentage Yield (APY), accurate as 7/6/26-8/31/26 AND set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through Internet payment services, do not qualify. The Bonus will be credited to the account within 90 days of the account receiving the qualifying direct deposits, the account is open and all eligibility requirements have been satisfied. The promo code is required at account opening to qualify for the Bonus. Only one Bonus will be awarded per customer and only the primary signer on the new checking account is eligible. This offer is not available to anyone that has received a cash Bonus for a personal M&T checking account within the last ed with your M&T credit, debit or Commercial card. M&T Commercial Cards are not eligible for use with Garmin Pay. link back to first instance of disclosure callout d2099 Disclosure reference d1045 Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. link back to first instance of disclosure callout d1045 All checking accounts require a minimum $25 opening deposit. MyWay Banking from M&T Bank® is considered a Connecticut Basic Banking Account. EZChoice Checking is considered a New York Basic Banking Account and a New Jersey Consumer Checking Account. All M&T checking and savings accounts are subject to M&T standard account agreements. Visa® is a registered trademark of Visa International Service Association. All othe Discounted personal loan rates 6 No fee at non-M&T ATMs 7 EZChoice Our most popular option with the essentials you need. MONTHLY MAINTENANCE CHARGE $0/month 3 WAIVE THE MONTHLY MAINTENANCE CHARGE No monthly maintenance charge to waive CHECKING ACCOUNT FEATURES No monthly maintenance charge 3 No minimum balance requirement No minimum transaction requirement MyWay Banking Our checkless account without the worry of overdraft fees. 10 MyWay Banking is not eligible for a cash bonus. MONTHLY MAINTENANCE CHARGE $4.95/month or $0/month 3 if requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with one or more transactions each monthly service charge cycle, such as a deposit, withdrawal or any debit payment. CHECKING ACCOUNT FEATURES No overdraft fees 10 Checkless account with M&T Debit Card No monthly maintenance charge w 8 or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $2,500 or more per monthly service charge cycle OR direct deposits totaling $1,500 or more per monthly service charge cycle CHECKING ACCOUNT FEATURES Interest-bearing option 9 Discounted personal loan rates 6 No fee at non-M&T ATMs 7 EZChoice Our most popular option with the essentials you need. MONTHLY MAINTENANCE CHARGE $0/month 3 WAIVE THE MONTHLY MAINTENANCE CHARGE No monthly maintenance charge to waive CHECKING ACCOUNT FEATURES No monthly maintenance charge 3 No minimum balance requirement No minimum transaction requirement MyWay Banking Our checkless account without the worry of overdraft fees. 10 MyWay Banking is not eligible for a cash bonus. MONTHLY MAINTENANCE CHARGE $4.95/ onth 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combined daily average balances of $25,000 or more in eligible accounts 4 CHECKING ACCOUNT FEATURES Special deposit interest rates Free standard check orders 5 Discounted personal loan rates 6 MyChoice Plus Enjoy ATM surcharge rebates 7 8 and the option to earn interest. 9 MONTHLY MAINTENANCE CHARGE $14.95 /month 8 or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $2,500 or more per monthly service charge cycle OR direct deposits totaling $1,500 or more per monthly service charge cycle CHECKING ACCOUNT FEATURES Interest-bearing option 9 Discounted personal loan rates 6 No fee at non-M&T ATMs 7 king with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combined daily average balances of $25,000 or more in eligible accounts 4 CHECKING ACCOUNT FEATURES Special deposit interest rates Free standard check orders 5 Discounted personal loan in the state of NJ) for the amount of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, DC. link back to first instance of disclosure callout d1029 Disclosure reference d1042 Fees and account features will vary by region. link back to first instance of disclosure callout d1042 Disclosure reference d2122 MyChoice Plus Che
Investivue decision
The current value, requirements, and available evidence support a strong review. Confirm location eligibility, funding, deposit, fee, and timing requirements first.
Why it stands out
Estimated timeline
Up to 180 days
Qualification through payment
Direct deposit
Required
Monthly fee
Verified $0
Requirements completeness
100%
Structured field coverage
Transparent ranking
The score balances real return, capital tied up, time to payment, deposit friction, fees, complexity, retention risk, and data quality.
86.5
Version 2.0
Estimated net bonus
$400
Capital required
$25
Estimated timeline
180 days
Decision guide
Review the verified funding, deposit, fee, eligibility, and timing signals. Unknown values are shown as unknown rather than treated as zero.
Funding requirement
$25
Amount of new money currently identified in the published requirements.
Direct deposit
$500 required
Complete the qualifying direct-deposit activity within the published window.
Monthly fee
$0
No monthly fee is currently listed in the structured requirements.
Availability
Regional or unconfirmed
Confirm that your state and customer profile are eligible.
Qualification path
Open EZChoice Checking by August 31, 2026 using promo code TU.
Make the required $25 minimum opening deposit.
Receive at least $500 in total qualifying direct deposits within 90 days of account opening.
Keep the account open through bonus payment.
Expected timeline
Open the account
Day 0
Apply through the official promotional path and retain the confirmation details.
Complete qualifying activity
Within 90 days
Complete the required funding, deposit, or other published activity within this window.
Allow time for payment
Up to 90 days
Bonus timing begins after the institution determines that the requirements were satisfied.
Decision recommendation
This guidance is generated from the offer's tracked value, funding, timing, availability, and verified requirement data. It is not personalized financial advice.
Why it may fit
The published requirements do not list direct deposit as mandatory.
The tracked capital requirement is $25.
Opportunity cost
Better alternatives
PNC Bank
Fifth Third Bank
Chase
Evidence and verification
Each critical requirement is mapped to the official-source evidence, parser, extraction method, confidence score, and verification date currently stored by Investivue.
Field-level provenance
A field may use its category evidence when a dedicated excerpt has not yet been stored. Missing evidence remains visibly unconfirmed.
Funding
$25
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Direct deposit
Required
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Fees
$0
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Timeline
90 days
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Timeline
Not confirmed
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Timeline
Up to 90 days
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Eligibility
Not confirmed
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Offer requirements
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
Qualification steps
Open EZChoice Checking by August 31, 2026 using promo code TU.
RequiredMake the required $25 minimum opening deposit.
RequiredReceive at least $500 in total qualifying direct deposits within 90 days of account opening.
RequiredKeep the account open through bonus payment.
RequiredEligibility
Customer type
PERSONAL
New customer
Not specified
Existing customers
Not specified
Availability
Regional
Previous-customer lookback
Not specified
Account segment
PERSONAL
Direct deposit
Required
Yes
Minimum total
$500
Deposit count
Not specified
Completion window
90 days
Funding
Opening deposit
Required
Minimum opening deposit
$25
Funding window
Not specified
Minimum balance
$0
Fees
Timeline
Offer expires
Aug 31, 2026
Fund account
Not specified
Deposit window
90 days
Qualify
90 days
Bonus posts
90 days
Account retention period
Not specified
Evidence
Completeness
100%
Schema version
1.0
Last verified
Aug 22, 2026
Evidence records
1
requirements_text
100% confidence
M&T Bank Checking Account Cash Bonus and Promotions | M&T Bank Content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Open Online Edit the Javascript tab on this element to update. Simple and tailored to your needs - banking that works for you M&T makes it effortless to choose the account that best fits your needs - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2 tment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium fea ds - plus, you can earn a $400 cash bonus. 1 Open Online Schedule An Appointment Zip Code Prompt Cash bonus offers and products may vary by location. To determine eligibility, please enter your home ZIP code. Showing results for ZIP code . Change Get started and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account r ted and earn a $400 cash bonus 1 Open your checking account Apply online or visit your local M&T Bank to open an eligible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY M ible account* by August 31, 2026 by using the promo code TU. * Eligible accounts include EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest and MyChoice Premium Checking. Complete your qualifying activities Set up qualifying direct deposits totaling at least $500 within 90 days of account opening. Enjoy your $400 cash bonus Your cash bonus will be credited within 90 days of the account receiving the qualifying direct deposits. Explore checking account options Tool Tip Handler MyChoice Premium 2 Offering the most premium features, benefits and perks. MONTHLY MAINTENANCE CHARGE $24.95/month or $0/month 3 if the requirements are met WAIVE THE MONTHLY MAINTENANCE CHARGE $0/month 3 with an average daily balance of $7,500 or more per monthly service charge cycle OR combine
M&T Bank
$400
Review details→
Watch before applying
Monthly fee
$0
Fee waiver
Not available
Early closure penalty
$0
Restrictions
Promotion code
TU
Household limit
Not specified
Employee exclusion
Not specified
Combinability
Not specified
Published deadline
Aug 31, 2026