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Bank quickly and get back to what matters most to you – that’s the idea behind the M&T Mobile Banking App1 built for both personal and business customers. Access your Account Conveniently •  See available balances, transactions, credit limits, and check images •  Centralize finances, categorize transactions, customize budgets, and track spending, for your personal accounts, with M&T Money Smart Bank Securely •  Access your accounts with your passcode, fingerprint, or facial recognition on compatible devices •  Get notified with M&T Alerts through text, email, or app notification Move Money Swiftly •  Send money with Zelle®1 to almost anyone with a bank account in the U.S. •  Deposit Checks •  Use M&T Flash Funds™ to deposit qualifying checks with immediate availability2 •  Transfer funds between M&T accounts or make M&T loan & credit card payments•  Pay bills with the confidence of our M&T Bill Pay Guarantee3 Manage your Card Easily •  Take charge of your personal M&T debit and credit card with the ability to temporarily lock it, report it lost or stolen, and order a replacement •  Add authorized users to your personal and business M&T credit cards •  View your M&T credit card rewards points and access your rewards account Reach Us Readily •  Call us, using any one of our contact numbers •  Search FAQs for help with questions •  Find the branch and ATM nearest to you Disclosures: 1Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Zelle® and the Zelle related marks and logos are property of Early Warning Services, LLC. 2The fee for this service is 2% of the total check amount ($2 minimum charge). If the deposit is made during our nightly processing, it will not be available to pay debit items that are processed for payment during that night’s processing. However, it would be immediately available for withdrawal.3To learn more about the Bill Pay Guarantee visit mtb.com/billpay 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. Refer to the Digital Services Agreement for details Equal Housing Lender. © 2020 M&T Bank. Member FDIC.

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February 27, 2020
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