M&T Mobile Banking

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  • Last update: 2 years ago
  • Version: 3.04
  • Size: 53.4 MB
  • Compatibility: Requires iOS 8.0 or later. Compatible with iPhone, iPad, and iPod touch.
  • Author: M&T Bank
  • Content rating: Rated 4+
  • Languages: English, French, Spanish
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M&T Mobile Banking Review

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M&T Mobile Banking Review


The New M&T Mobile Banking App: Now With More of What’s Important – including Mobile Check Deposit!

Banking should be simple, quick and convenient; that’s the idea behind the M&T Mobile Banking App1 built for both personal and business customers. With a design that’s clean and easy to use, you can check balances, deposit checks, review transactions and send payments – fast.

- Access your M&T personal and business accounts.
- Important information – like available balances and credit limits – is front and center.

- Deposit checks directly from your phone at no extra charge.2
- Make same-business-day check deposits until 8pm.

- Log into your accounts using just your fingerprint with Touch ID.

- Quickly make payments to almost anyone3 – all with the security of our Bill Pay Guarantee.4

- Easily move funds between your M&T accounts.
- You can even make payments to M&T loan and credit card accounts.

- Create, edit or cancel scheduled payments and transfers.
- For Business customers: View transactions that are pending approval.

- M&T branches and ATMs are easy to find, thanks to maps and directions.

1 Use of these features and services requires internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. View the M&T Digital Services Agreement for full details.

2 Deposits are subject to verification. Funds from mobile check deposits follow the normal funds availability schedule. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except for Federal holidays.

3 M&T Web and Mobile Bill Pay cannot be used to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other government entities; (iii) required under court order (e.g. child support); or (iv) in connection with any unlawful activity or purpose. Payees can only be added or edited and recurring payments can only be scheduled through M&T Web Banking®.

4 Bill Pay Guarantee. We will cover up to $50 in late fees if a payment using M&T Online Bill Pay is late and you (i) scheduled the payment sufficiently in advance of the payment due date to allow for the payment to be processed and sent by us, and (ii) the date you selected as the Delivery Date was no later than the date your payment was due, excluding any applicable grace periods. Further, your payment must be scheduled according to the requirements set forth in the M&T Digital Services Agreement and you must have sufficient available funds in your account. In the event your payee does not receive payment on time and charges you a late fee, contact Online Banking Support at 1-800-790-9130. We reserve the right to discontinue the Bill Pay Guarantee at our discretion at any time.

iPhone is a trademark of Apple Inc. Use of this trademark is subject to the owner’s permission. M&T Bank is not endorsed, sponsored, affiliated with or otherwise authorized by Apple Inc.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.

Equal Housing Lender. © 2016 M&T Bank. Member FDIC.

Rating Distribution

(201 472)


  • m
    *update/edit: I tried to reset my passcode and went through the process only to see once again that their mobile banking system is down. I then called them only to be told my wait time would exceed 10 minutes, not surprising since their system is always down. Waiting 8 minutes into the call, the call is dropped. I’m done with this bank, you should be too. Review below. It’s 2017, you’re a fairly large bank, customers rely on consistency and functionality at the minimum. Never mind the fact that this app rarely worked within the first YEAR AND A HALF of opening my account but it would blame WiFi/connection issues or just simply say try back or go online. The online site is just as useless. What’s worse is I no longer live in an area where I can physically go to an ATM within a reasonable amount of time and distance during business hours. So I can’t transfer or deposit money into my savings because the app and site don’t work or allow it and I get charged a fee for not making said transaction. I literally get charged money because of this bank’s inability to develop a functioning app. I would very much like that $30 bucks back and will likely change banks because I’m tired of the hassle. More over, the app decided to make the decision for me that my password would be changed every x amount of days. I found you can change this yourself or turn off the feature. Now I am unable to sign into the app, have to figure out why it’s not recognizing my password and that’s only if it works after doing so. All just to transfer money into my savings and check my balance. Should be super simple, it’s not. Do yourself a favor and do not go with this bank if you rely on mobile banking in any way. It’s the worst I’ve ever seen. It’s so bad that I’ve never left a review before and this moved me to do just that. Get it together M&T, you’re only handling people’s money, their livelihoods, and ability to get through their day to day, no big deal right?
  • v
    UPDATE: They have since added the ability to deposit a check and fingerprint scan log in. Now if they could just support Face ID... Old: I gave this app a two-star rating, instead of one star, because it has some useful features, although it could use many upgrades. I like that I can check the balance of both my checking and savings accounts, as well as make transfers between the two. However, that is about all I use the app for. Even doing these two basic functions can be a problem. Almost every time I attempt to use the app, I have to log in a number of times before it works. It often gives me a message saying, "unable to log in," and then once I finally get into my account and try to view my Account Summary, it says, "system unavailable, please try again later." I originally thought this only happened in areas where I had low service, but I have since used it with 3 bars of service and 3G coverage, as well as on wifi, and have encountered the same problem. I also do not like that I can't deposit a check through the app or use a fingerprint to log in. It seems this app has too many glitches and too few features to be worth it.
  • S
    Wow can't believe a bank as big as M&T would have such a useless app for SO LONG!! Since the new update it doesn't let me log in to my accounts at all. Why have an app that for the past few MONTHS or so it tells me the mobile banking app is temporarily unavailable?? Come on M&T wth?? This shouldn't take months to fix. So frustrating !!! They need a real update ASAP!! *10/2017update well another iOS update and now I can’t log into M&T again. Ugh!! They really need to stay on top of these things. Hope it doesn’t take months to fix this bug. Smh. update10/27/2017 new version of M&T updated today. Still crashes at log on. Come on now!! This is ridiculous. I did everything the app said to correct the problem.

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