M&T Bank $300–$1,500 Business Savings Bonus (18.3% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
M&T Bank's business checking bonus offers up to $1,500 across four balance-based tiers, measured in the 3rd month. Available in the Northeast corridor from CT to WV. The top tier requires $100,000.
Who This Savings Bonus Is Best For
Business owners in the Northeast (CT, DC, DE, MD, NJ, NY, PA, VA, WV) with substantial business cash reserves.
How to Maximize This Bonus
Open an M&T business checking account and build your balance to the target tier by the 3rd month. The $750 tier at $30,000 offers the best balance of capital commitment and return. The $1,500 tier requires $100,000 — significant but the payout is strong.
Pros
Cons
How This Compares to Other Bonuses
Frequently Asked Questions
How is the balance measured?
M&T measures your balance in the 3rd month after account opening. Make sure you hit your target tier balance by then.
Eligibility
New business checking customers only. Balance-based tiers measured in the 3rd month. State restricted: CT, DC, DE, MD, NJ, NY, PA, VA, WV. Expires June 30, 2026.
Fees
Apply
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