Perks include no out-of-network ATM fees, reimbursements for other banks’ ATM fees (up to $2 per transaction), discounted personal loan rates, Overdraft Protection and interest. This account requires a $25 minimum deposit.

Expect to pay $14.95 per month if you can’t waive it (see the section on M&T bank fees below for details). The M&T M圜hoice Plus Checking account offers more features than the first two but has a higher maintenance fee. MyWay Banking has no overdraft fees because overdrafts aren’t typically permitted. This can be a debit card transaction, withdrawal or deposit. You can waive this by making at least one transaction during each monthly statement cycle.

It requires an opening deposit of $25 and charges a monthly fee of $4.95. The M&T MyWay Banking account is designed for first-time account holders or anyone who doesn’t want to worry about overdrafts. The bank’s Overdraft Protection plans help you avoid overdrafts by automatically transferring funds from linked accounts, but daily transfer fees may apply. You’ll pay for out-of-network ATM transactions, overdrafts and checks. The M&T EZChoice Checking is the only checking account at M&T Bank with no monthly maintenance fee-but it does have a $25 minimum opening deposit requirement and other fees to note.

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