M&T Bank Promotions: $100 To $250 Checking Account Bonuses

• You can redeem this offer online or in-branch.
• Open any personal M&T checking account and make qualifying direct deposits totaling at least $500 within 90 days of account opening to get this special offer.
• Qualifying direct deposits include, but are not limited to, recurring electronic deposits such as 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.
• Bonus will be credited to the account within 90 days of direct deposit activation as long as the account is in good standing and all of the eligibility requirements are satisfied at the time they seek to credit the bonus.

EZChoice Checking:

No monthly maintenance fee.

MyChoice Plus:

WAIVE THE $14.95 MONTHLY MAINTENANCE FEE WITH:

• Direct deposits of $1,500 or more per month, or
• $2,500 or more average balance in this account

MyChoice Premium:

WAIVE THE $24.95 MONTHLY MAINTENANCE FEE WITH:

• $7,500 or more average balance in this account, or
• $25,000 or more combined balances in eligible M&T accounts

M&T Classic with Interest:

WAIVE THE $4.95 MONTHLY MAINTENANCE FEE WITH:

• $500 or more average balance in this account, or
• $1,500 or more combined balances in eligible personal deposit accounts, or
• At least 1 direct deposit to this account, or
• 10 or more debit card transactions from the acccount

• The promo code is required at account opening to qualify for the bonus.
• Your new personal M&T checking account must still be open when we seek to credit the bonus.
• Only one bonus will be awarded per customer regardless of the number of accounts opened.
• Bonus offers are not available to employees of M&T Bank, any of its affiliates, or to customers who have received a bonus in connection with a personal M&T checking account within the last 12 months.
• A $50 early close-out fee applies if the account is closed within 180 days of opening.
• Bonus offers may vary by product and region, are not transferable and are reportable for tax purposes.

• Get $300 when you open an M&T Tailored Business Checking account and maintain an Average Ledger Balance of at least $5,000 for the third full calendar month after the account is opened.
• Get Up To $300 when you open an M&T Merchant Services account and meet the following requirements:
  • merchant must be active and process $20 in merchant transactions within a calendar month to receive the one time $150 bonus,
  • and the merchant must be active and process at least $4,000 in merchant transactions within a calendar month in order to receive the additional $150 bonus, totaling $300.

The monthly maintenance fee is $20. There are four ways to waive the monthly fee:

• an Average Ledger Balance of $10,000 or more;
• 1 or more deposits of M&T Merchant Services proceeds into the account,
• purchases made on a linked M&T Business Credit Card or M&T Business Rewards Card totaling $2,000 or more in the credit card statement cycle ending in that month;
• or the sum of the Average Ledger Balances of the account and any linked Commercial Savings account is $25,000 or more.

Business Checking Bonus:

• The bank will credit one $300 bonus (“Checking Bonus”) to your new M&T Tailored Business Checking Account if the Average Ledger Balance in the Account is at least $5,000 for the third full calendar month after the Account was opened.
• If the requirements are met and the Account remains open, the Checking Bonus will be credited to the Account within 45 days after the end of the third full calendar month after the Account was opened.
• The Checking Bonus is reportable for tax purposes and is not available to employees of M&T Bank or any of its affiliates.
• The Checking Bonus is not available to customers who have had a non-personal M&T checking account within the previous 90 days of opening an M&T Tailored Business Checking account.
• Only one Checking Bonus will be awarded per customer regardless of the number of new M&T Tailored Business Checking accounts opened.
• A $50 Account Closure Fee applies if the account is closed within the time period referenced in the Commercial Deposit Account Fee Schedule.

Bank Merchant Services:

• The Bonus offer is available for merchants who fulfill the following conditions:
  • (1) merchant does not currently have an M&T Bank Merchant Services® account;
  • (2) merchant opens an M&T Bank Merchant Services account during the Offer Period;
  • (3) merchant opens during the Offer Period, or currently has, an M&T Business Checking account to accept merchant deposits; and
  • (4) merchant must be active and process $20 in merchant transactions within a calendar month to receive the one time $150 bonus, and the merchant must be active and process at least $4,000 in merchant transactions within a calendar month in order to receive the additional $150 bonus, totaling $300.
• Only one Bonus will be awarded, regardless of the number of locations for a merchant.
• This Bonus may not be combined with any other promotional merchant services offers (excluding the $9.95 Tailored Checking Promotion.)
• This Bonus offer is subject to credit underwriting, due diligence requirements, and approval of an M&T Bank Merchant Services account in accordance with M&T’s requirements.
• If the above conditions are met, they will credit a $150 bonus (“The Bonus”) for activating the account, and an additional $150 bonus (“The Incremental Bonus”), if applicable, for processing at least $4,000 in a calendar month, as a credit to the M&T merchant services.
• The Bonus and Incremental Bonus are reportable for tax purposes and may be considered taxable income.