No link on this page pays us. When one does, it says so, and it never changes a ranking. How we make money

Manufacturers and Traders Trust CompanyChecking accountChecked Oct 10, 2026Updated

Manufacturers and Traders MyChoice Plus

$14.95monthly fee
A year for an everyday customer
−$179 fees and interest, $2,000 kept
On our list
#832 of 986 checking accounts, by a year’s value for an everyday customer
Visit Manufacturers and Traders Trust CompanyThe bank’s own page · checked Oct 10, 2026

Bonuses

  • $50With a current customer’s referral · M&T Bank Personal Checking Offer — Refer Friends Program

    Register using the referrer's personal referral link; open a new eligible M&T personal checking account within 180 days of registering; make at least $500 in qualifying direct deposits within 90 days of account opening. Qualifying direct de

Fees

Monthly fee
$14.95 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee
Any one of these:
  • with an average daily balance of $2,500 or more per monthly service charge cycle
  • direct deposits totaling $1,500 or more per monthly service charge cycle
Source · checked Oct 10, 2026
Out-of-network ATM fee
NoneSource · checked Oct 10, 2026

Who can open it

Minimum age
18Source · checked Oct 10, 2026

Features

ATM fee rebatesBill payBranch accessCustom card designDebit cardInterest bearingMobile check depositOnline openingOverdraft protection transferSpending alertsZelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees