APY
0.01%
As of Nov 8, 2026. Rates are variable.
Manufacturers and Traders Trust Company · Checking account
Manufacturers and Traders MyChoice Plus Interest Checking Account
−$179 a year for an everyday customer. $14.95 a month. $25 to open.
- A year, everyday customer
- −$179
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · mtb.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · mtb.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · mtb.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonus
With a current customer’s referral
M&T Bank Personal Checking Offer
The referred person must register using the referrer's personal referral link, open a new eligible M&T personal checking account within 180 days of registering, and make at least $500 in qualifying direct deposits within 90 days of account
Against the market
How it ranks
#897of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Branch access
- Custom card design
- Debit card
- Interest bearing
- Joint accounts
- Mobile check deposit
- Mobile wallet
- Online opening
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
Fees
- Monthly fee
- $14.95 a monthmtb.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- 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
- Minimum to open
- $25mtb.com, checked Nov 8, 2026
- ATM network
- M&T ATMsmtb.com, checked Nov 8, 2026
- ATMs in the network
- 2,000mtb.com, checked Nov 8, 2026
- Out-of-network ATM fee
- Nonemtb.com, checked Nov 8, 2026
Who can open it
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money