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M&T Bank EZChoice Checking review

Go basic with no monthly maintenance fee.’s rating: 3.2 / 5.0


EZChoice Checking is M&T Bank’s most popular account option, offering unlimited checkwriting with no monthly maintenance fee. But if you’re looking for an interest-bearing account or live outside the states where M&T operates, this account isn’t for you.

$0 per month





Minimum deposit to open


Fee$0 per month
Minimum deposit to open$25
ATMsOver 1,500 M&T Bank ATMs
ATM transaction fee$0
Out-of-network ATM fee$3
Foreign transaction fee3%
Overdraft fee$38.50
Nonsufficient funds fee$38.50

Review by

Heather Petty is a personal finance writer at Finder specializing in home loans, banking and insurance. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing has been featured on MSN, and, among others. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She holds a bachelor’s degree in English with a minor in journalism from the University of Nevada, Reno.

Expert review

M&T Bank’s EZChoice Checking account is perfect for anyone looking for basic checking. The account has no monthly fees and comes with a customizable debit card.

But M&T Bank is limited to nine states and it doesn’t offer any ATM fee rebates.

If you want an account with more ATMs or fee rebates, you’ll want to keep looking. As always, compare your options when considering a checking account.

How do I open an EZChoice Checking account?

Open your account at a branch or online:

  1. From the main M&T Bank page, roll over to the Banking tab and select Checking.
  2. Under EZChoice, click Open Account.
  3. Select whether you want to open an Individual or Joint account, and click Continue.
  4. Enter a promo code if you have one and note the information you’ll need to open an account online. Click Continue.
  5. Enter your name, address, phone number and email. If you have a different mailing address, click the box and enter it. Otherwise, click Continue.
  6. Enter your employment information, driver’s license number, Social Security number, birth date, and select your citizenship status. Click Continue.
  7. Click Accept to receive information from the bank electronically instead of by paper.
  8. Once your identity has been confirmed, choose how to fund your account and open it.


To open an account you must meet the following criteria:

  • At least 18 years old
  • US citizen or resident
  • Valid Social Security number

Required information

Have the following information ready to open your account:

  • Full name
  • Birth date
  • Street and mailing address
  • Phone
  • Email
  • Driver’s license number
  • Social Security number
  • Bank information or debit card to fund the account

What are the benefits of an EZChoice checking account with M&T Bank?

In addition to unlimited checkwriting and free electronic or paper statements, EZChoice Checking offers the following perks:

  • No monthly fee. You won’t pay a fee to maintain this account.
  • Free savings account. M&T will waive the monthly maintenance fee for your Relationship Savings account if you link it to your EZChoice Checking account.
  • Free customizable ATM card. Your card comes with all the usual features, like chip and contactless technology, but you can also customize your card’s background image and choose whether to include an ID photo.

What should I look out for?

Keep the following in mind before you open an EZChoice Checking account:

  • Limited locations. M&T bank only operates in Connecticut, Delaware, Florida, Maryland, New Jersey, New York, Pennsylvania, Virginia, Washington, D.C. and West Virginia.
  • Minimum opening balance. You need $25 to open the account, but no minimum balance is required after that.
  • No ATM fee refunds. Although M&T offers rebates on out-of-network ATM fees with its other checking accounts, you’ll have to pay those fees with EZChoice Checking.
  • High overdraft fees. If you go overdraft by more than $5, M&T charges $38.50 for every transaction that goes overdraft, up to five within a single business day.

If you want an account with more ATMs or fee rebates, you’ll want to keep looking. As always, compare your options when considering a checking account.

M&T Bank’s ATM network and fees

M&T’s EZChoice Checking account comes with a customizable debit card you can use at 690 M&T branch ATMs in the states where the bank operates, at four M&T ATMs in Florida and over 1,500 ATMs nationwide. M&T charges $3 for every transaction at out-of-network ATMs in addition to what the ATM owner charges.

You can also use your M&T debit card with the following online and mobile services:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa Checkout

Compare EZChoice Checking with other checking accounts

Sort this table by APY, minimum deposit to open, ATM size and more to see if another account besides EZChoice Checking may be a good fit for your needs.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000 free in-network ATMs
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Finder Rating: 4 / 5: ★★★★★
more than 38,000 ATMs in the MoneyPass ATM network
The Douugh app is an AI assistant focused on your finances.
Chase First Banking℠
Finder Rating: 4.3 / 5: ★★★★★
Chase First Banking℠
16,000 ATMs nationwide
A debit card for teens and kids with a set of digital tools to help them learn good money habits in the Chase Mobile app. Requires parent to have or open a Chase checking account.
Chase Secure Banking℠
Finder Rating: 4.2 / 5: ★★★★★
Chase Secure Banking℠
Access to 16,000 ATMs and more than 4,700 branches nationwide
Chase Secure Banking offers no overdraft services
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
Finder Rating: 4.6 / 5: ★★★★★
32,000 fee-free ATMs nationwide
Freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital bank account. Get up to 10 referral rewards, or $1000.

Compare up to 4 providers

How do I deposit or withdraw my money?

Use the following methods to access your account funds:


  • Check or cash at ATM
  • Check
  • Wire transfer
  • Transfer from another account
  • Direct deposit
  • Deposit at bank branch
  • Mobile check deposit


  • ATM withdrawal
  • Check
  • Cash withdrawal at bank branch
  • Transfer to another account
  • Wire transfer
  • Online or mobile bill pay

How do I contact M&T Bank’s customer service?

Contact customer service by phone, email or by visiting a branch. Visit their Contact Us page on the website for a complete list of phone numbers specific to the question you have, but for general support:

  • Call 800-724-2440
  • Email
  • Search for the bank branch closest to you

What other checking options does M&T Bank offer?

M&T Bank offers a wide array of personal and business accounts:

  • MyWay Banking. All the features of a checking account without the checks and with no overdraft fees.
  • MyChoice Plus. Get discounted personal loan rates, refunded ATM fees, and an option to make this account interest-bearing.
  • MyChoice Premium. An interest-bearing account that gives you premium interest rates on CDs and personal loans and waives the monthly maintenance fees on any linked savings or money market accounts.
  • Simple Checking for Business. A low-cost account perfect for start-ups, with 100 free transactions, up to $5,000 in free deposits, and a $10 monthly maintenance fee that gets cut in half if you choose e-statements.
  • Tailored Business Checking. Offers 500 free transactions, up to $20,000 in free deposits, and a higher interest rate when you link your Commercial Savings account.
  • Bizflex Checking. Allows you to link up to four Bizflex accounts and waives the $50 monthly maintenance fee as long as you keep a $50,000 balance combined across the accounts.
  • Commercial Checking. A low-fee account that allows you to offset your service fees with an Earnings Credit Rate.
  • Non-Profit Checking. Available to not-for-profit organizations, with 50 free transactions and a $7.50 monthly fee that gets waived if you choose e-statements.
  • Medical Services Checking. Designed for medical practices with 1,000 free transactions and $35,000 in free deposits.
  • Professional Services Checking. Offers 300 free transactions and $35,000 in free deposits.
  • Business Interest Checking. Earn interest if you meet the $500 minimum collected balance and get perks like unlimited checking and overdraft protection.

Frequently asked questions

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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