M&T Bank
Business checkingVerified Oct 9, 2026
M&T Business Plus Checking: up to $1,500 bonus
Maintain an average ledger balance of at least $100,000 during the third full calendar month after opening.
- Deposit
- None required
- Cash to keep
- $100,000
- Monthly fee
- $15/mo, waivable
- Apply by
- Nov 30, 2026
Selected target
$1,500
Apply by Nov 30, 2026
View offer at M&T BankRead the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.
Your fit
Add your state, direct deposit and cash to check this offer's conditions against your situation.
- 1 thing to check: Your history with M&T Bank
This checks the published conditions only. The bank decides who is approved.
Steps to earn
Complete all 1 step for $1,500
Keep a balance
Maintain an average ledger balance of at least $100,000 during the third full calendar month after opening.
- $100,000
All tiers
| Bonus | Deposit to qualify | Cash to keep | Choose your target |
|---|---|---|---|
| $300 | Deposit: None required | $5,000 | |
| $500 | Deposit: None required | $15,000 | |
| $750 | Deposit: None required | $30,000 | |
| $1,500 | Deposit: None required | $100,000 | Selected |
Timeline
Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.
Apply by Nov 30, 2026
Open the account
Keep a balance
Maintain an average ledger balance of at least $100,000 during the third full calendar month after opening.
Bonus paid
By the end of the fourth month after opening, if the account remains open.
Money and fees
- Bonus
- $1,500
- Monthly fees
- $15/month unless waived
- Bonus after fees, before tax
- $1,485 to $1,500
Waived with: $7,500 average monthly ledger balance, $500 in linked business credit-card purchases, or another qualifying activity in the current fee schedule.
Up to $15 if you miss the waiver for about 1 month
Cash to keep in the account
$100,000
After the bonus
- Account type
- Business checking
- Monthly fee
- $15/mo
- How to waive it
- $7,500 average monthly ledger balance, $500 in linked business credit-card purchases, or another qualifying activity in the current fee schedule.
- APY
- Not stated in the terms we reviewed
- Early closure fee
- $50
- How to open
- Online
Eligibility
Where it's offered
The bank's terms don't list states. Check availability on the bank's site before applying.
Who can get it
New customers only. If you've had an account with M&T Bank, check the look-back period in the terms.
Use promo code BW at online opening, or bring the offer coupon to a branch. No nonpersonal M&T checking account in the 90 days before opening; employees are excluded. One bonus per tax ID, and M&T may limit owners of multiple businesses to one bonus. A $50 early closure fee may apply.
Terms and sources
Checked against mtb.com on Oct 9, 2026. Next check by Oct 23, 2026.
- mtb.com/business/business-checking-account-optionsCaptured Oct 9, 2026
Offer terms can change. Confirm current eligibility and terms with the bank before applying.