University Banking
The Binghamton University student bank is run by M&T Bank.
Join us as we celebrate our 150th anniversary. Since 1856, we’ve been
proud to serve our communities, while helping individuals and businesses succeed.
Come see what we can do for you.
Whatever your checking needs and preferences may be, M&T Bank has the right
account for you. We offer a range of checking options that fit your resources
and lifestyle.
M&T
Select Checking - Banking Beyond Your Expectations.
M&T Select Checking is our premier relationship banking program - one that
gives you superior value, service and banking convenience. Along with a Personal
Relationship Manager to help with all your financial needs (including expediting
account openings, financial advice and keeping you informed of special offers),
M&T Select Checking offers unlimited check writing and both interest and
non-interest bearing account options.
M&T
Direct Checking - Bank At Your Convenience.
With M&T Direct Checking, you can take care of your banking when and where
it's most convenient for you - at home, at work, at school, just about anywhere
- 24 hours a day, seven days a week. M&T Direct Checking gives you so many
ways to access your account: M&T Bank ATMs, M&T Web Banking, M&T
Telephone Banking Center, M&T Check Card, and Direct Deposit.
M&T
Classic Checking With Interest – Perfect for customers
age 50 and over.
M&T Classic Checking With Interest is designed only for those who are 50
years or older and are looking to avoid monthly fees and minimum balances.
With this free interest-bearing account your money works harder for you. Plus,
M&T Classic Checking offers 50% off your check orders and overdraft protection
may be available.
M&T
Totally Free Checking - Never Maintain a Minimum Balance.
M&T Totally Free Checking is perfect for people who want to eliminate monthly
maintenance fees or those who make frequent transactions. All you need is a
minimum of $25 to open your account, and then you can take advantage of M&T's
accessibility through ATMs, telephone banking, web banking, and direct deposit
services. Plus, once you open the account, you'll never have to maintain a
minimum balance. M&T Totally Free Checking lets you handle your banking
when and where it's most convenient. You can even make teller-assisted transactions,
including an in-branch or bank-by-mail transaction. And again, the name says
it all.
Basic
Banking - Banking Without The Frills.
Basic Banking is the perfect choice if you write a small number of checks each
month and keep a small amount on deposit in your checking account.
M&T Bank Consumer Checking Comparison
Item |
|||||
Minimum Balance to avoid Monthly Service Fee |
$5,000 average M&T select checking balance OR a combined balance of $10,000 in eligible checking, savings, money market, CDs, investments and/or loans |
Direct deposit OR $1,500 combined balance in M&T Direct Checking and/or linked personal Statement Savings |
No minimum balance requirement “For customers age 50 and over” |
No minimum balance requirement |
No minimum balance requirement |
Monthly Service Fee |
$14, if minimum balance is not met |
$5.95 if there is no direct deposit OR minimum balance is not met |
$0 |
$0 |
$3, regardless of balance |
Overdraft Protection Available |
Available |
Available |
Available |
Not Available |
Available |
M&T Check Card |
Free Gold Check Card |
Free |
Free |
Free |
Free |
ATM Access |
No access fee at non-M&T ATM |
Free M&T ATM Access |
Free M&T ATM Access |
Free M&T ATM Access |
Free M&T ATM Access |
Web Banking |
Free |
Free |
Free |
Free |
Free |
Web Bill Pay |
Free |
Free |
Free |
$2.95 per mo. |
$2.95 per mo. |
Check Orders |
Free Standard Checks 50% off most designer checks. |
Printing Fees Apply |
50% Off |
Printing Fees Apply |
Printing Fees Apply |
The checking accounts listed in the preceding chart are not available for non-personal accounts. Please see your branch representative for full details. Overdraft Protection is available through a line of credit or a linked savings account. Consumer installment loans, M&T Visa® Check Card and overdraft protection offered through a line of credit are subject to credit approval and certain limitations apply. For ATM transactions, if you conduct your transaction at an ATM owned by another financial institution, that other financial institution may charge you an ATM transaction fee. There will be a charge for mini-statements of your account, where available, at M&T Bank ATM locations. For Web Bill Pay, your checking account must be designated as your Online billing account. If you maintain the required combined minimum balance on your M&T Select account, a bill payment feature is also available through M&T Online's Pay On-Line SM at no additional charge. Bank On-Line and Pay On-Line are service marks of CheckFree Corporation. M&T reserves the right at any time, at its sole discretion and without notice, to change the benefits of, or discontinue any M&T Bank account offering or relationship program.