Manufacturers and Traders MyChoice Premium

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

Rate conditions

Balance needed for the APY

$1Source · checked Oct 10, 2026

APY paid on balances up to

$1,000,000Source · checked Oct 10, 2026

Interest compounds

Interest is compounded daily and paid monthly.Source · checked Oct 10, 2026

Fees

Monthly fee

$24.95 a monthSource · checked Oct 10, 2026

Ways to avoid the monthly fee

Any one of these:

• maintain an average daily balance of $7,500 or more per monthly service charge cycle
• keep total combined daily average balances of $25,000 or more in eligible accounts

Source · checked Oct 10, 2026

Minimum to open

$25Source · checked Oct 10, 2026

Overdraft transfer fee

NoneSource · checked Oct 10, 2026

ATM network

2,000 ATMsSource · checked Oct 10, 2026

ATMs in the network

2,000Source · 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 accessContactless cardCustom card designDebit cardFree checksInterest bearingJoint accountsMobile check depositMobile walletOnline 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.