Training Example: M&T Bank – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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Discover the checking account that fits your lifestyle

With unique options and convenient features, every M&T checking account has something different to offer to help meet your everyday needs.

Explore Checking

More Choices. More Possibilities.

Explore products and services designed to help you reach your goals.

Checking

Mortgages

Lines of Credit/Personal Loans

Credit Cards

Financial Education Center

Savings & CDs

Investments & Insurance

Digital Banking

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Simple, encrypted and always in your pocket{{d204*}}

M&T MOBILE BANKING

Send & receive money

Deposit checks on the go

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Available on Android and iOS

Monitor your spending habits

Mobile Banking

[IMG: Woman on mobile device]

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Simple, encrypted and always in your pocket{{d204*}}

M&T MOBILE BANKING

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Send & receive money

[IMG: Mobile device with check]

Deposit checks on the go

[IMG: Apple and Android icon]

Available on
Android and iOS

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Monitor your
spending habits

Mobile Banking

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What can we help you with today?

HELP CENTER

BANKING WITH M&T
"Small business is the heartbeat of a community. M&T Bank is definitely committed to independent businesses. They really worked with us from the beginning. They are just as committed to our business as we are."

LAURA AND DAVID ALIMA
OWNERS OF THE CHARMERY

[IMG: Top 10 SBA Lender Nationally Logo]

Top SBA Lender in the communities we serve{{d174*}}

[IMG: Coalition Greenwich Awards 2025 Logo Best Bank]

A 2026 Top Bank{{d1045*}}

BANKING WITH M&T
"Small business is the heartbeat of a community. M&T Bank is definitely committed to independent businesses. They really worked with us from the beginning. They are just as committed to our business as we are."

LAURA AND DAVID ALIMA
OWNERS OF THE CHARMERY

[IMG: Top 10 SBA Lender Nationally Logo]

Top SBA Lender in the communities we serve{{d174*}}

[IMG: Coalition Greenwich Awards 2025 Logo Best Bank]

A 2026 Top Bank{{d1045*}}

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Driven by our purpose

2024 SUSTAINABLITY REPORT

At M&T Bank, sustainability is integral to our mission of making a difference in people's lives and we recognize its importance in the well-being of our customers, employees, and communities we serve. This report reflects our commitment, highlighting our 2024 focus areas, and demonstrates areas of progress and opportunities. We hope you find the information insightful and welcome your feedback.

Read our report

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Reflecting our communities.

MULTICULTURAL BANKING

M&T is committed to the growth and sustainability of the businesses and neighborhoods we serve, working to understand the needs of our clients and colleagues across our organization so we can truly reflect our communities.

Learn More

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Partnering for Change in the Communities We Serve

$62.1M
IN COMMUNITY IMPACT

3,796
NON-PROFIT ORGANIZATIONS

194.8M
IN VOLUNTEER HOURS

Source: 2025 Community Impact Report

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Time is our most valuable asset.

VOLUNTEERING

When it comes to giving back, we prefer sharing our time with the people in our community. Our employees receive 40 hours of volunteer time to share with the organization that speaks to them.

Learn More

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[H2] Mortgage Assistance Programs

We're here to help. Learn about the programs we offer to help you through your mortgage and home equity loan hardship. Learn More

[H2] Mortgage Assistance Programs

We're here to help. Learn about the programs we offer to help you through your mortgage and home equity loan hardship. Learn More

Wilmington Advisors @ M&T professionals offer holistic financial planning guidance on retirement, education, and insurance. Wilmington Advisors @ M&T is a brand name used by M&T Bank employees who are registered representatives with LPL Financial (LPL). Products/services on this site are offered through LPL or its affiliates - entities that are separate from and not affiliates of M&T Bank.

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We are building a stronger community — together.

Our purpose is to understand the individuals and the businesses in our neighborhood, so we can create the right opportunities for the people we serve.

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Honoring the traditions and contributions of the Native American community

TRADITION, HERITAGE, CONTRIBUTIONS

M&T Bank supports Native American Heritage Month, which celebrates the history, contributions and influence of the Native American people who helped shape today’s nation.

Learn More

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Committed to making our community better.

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Giving back to our communities.

We support local organizations by volunteering our time and reinvesting in our community.

Getting Involved

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Invested in driving change.

Adapting to the needs of our neighbors means finding new solutions and sharing the Research & Insights we learn along the way.

Investing in the Future

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Empowering our people.

We are always looking for people to grow their careers and future with M&T.

Empowering Our People

[IMG: An image of Chairman and CEO of M&T Bank, Rene Jones.]

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Working with integrity.

During our 165-year history, we evolved with the needs of our locations, and are guided by a leadership team that holds us accountable.

Leadership & Values

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Caring for our environment.

Sustainability means committing to new ways to leave the world better than we found it.

Sustainability & Stewardship

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A bank for communities. A bank where you belong.

Being committed to the people we serve means being upfront with the steps we are taking to serve the unique needs of our customers.

We offer straightforward products that are easy to understand.

Our philosophy is based on customer experience not price.

We work with local businesses to offer responsible lending options.

We are thoughtful and transparent with our shareholders' capital.

We listen and work together to provide solutions to meet your needs.

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Manage your finances from the palm of your hand with Mobile Banking

Get the M&T Mobile Banking App for access to your handheld personal banking experience in a moment's notice. The convenience and comfort of community banking from anywhere — at any time.

[IMG: download M&T app on Google Play]

[IMG: download M&T app on the Apple Store]

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Your bank is always open with M&T mobile and online banking.

How to Enroll

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M&T Mobile Banking Services

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[H4] Zelle

Send or receive money from people you know and trust with Zelle® and M&T {{d5021*}} It's quick, convenient and easy to set up.

Learn More

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[H4] Bill Pay

Easily schedule bill payments with our complimentary service, so you can spend time doing more of what's important to you.{{d16*}}

Learn More

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[H4] Mobile Check Deposit

Deposit checks from your smartphone at no extra M&T charge{{d121*}}. Make same business-day check deposits until 10pm ET {{d323*}}. View deposited and cleared checks right within the app.

Learn More

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[H4] Digital Wallet

A digital wallet creates an electronic version of your M&T Card(s), assigning them a device account number or virtual account number for added protection.{{d942*}}

Learn More

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[H4] Money Smart

Designed to make managing your day-to-day cash flow easy, M&T Money Smart™ gives you a clear view of all your M&T and non-M&T accounts in one place.

Learn More

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[H4] Manage your card

Order a replacement card, report a lost or stolen card or add authorized users to your credit card.

Learn More

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M&T Online Banking Services

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[H4] Enroll in eStatements

Easily access and organize statements and notices for your M&T accounts for up to seven years{{d444*}}.

Learn More

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[H4] Alerts

Help protect your account with timely updates about spending, security and other activities that impact your money.{{d9*}}

Learn More

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[H4] Credit Card Perks

Redeem your credit card perks here.

Learn More

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Accessible banking solutions

M&T Bank is committed to making our products and services accessible to all of our customers and potential customers. We use design standards that help customers identify, interpret, understand, and interact with information presented on our websites and mobile apps.
As accessibility standards are continually evolving, our efforts to improve online accessibility are ongoing. If you encounter an accessibility issue, please let us know and we will take all reasonable measures to either resolve the accessibility issue or find an alternate communication method.

Learn More

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Mortgage Assistance Programs

MANAGE YOUR MORTGAGE

Learn about the assistance programs we offer to help you through your mortgage or home equity loan hardship.

Apply For Assistance

Assistance FAQs

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We’ll review your situation to determine which option works best for you.

HARDSHIP ASSISTANCE OPTIONS

Your eligibility for certain mortgage assistance options will depend on your financial situation and the guidelines of your investor. Investors are government-sponsored entities like Fannie Mae or Freddie Mac (GSE) or government agencies like FHA, VA, or USDA. Home equity loans are M&T loans and not subject to GSE or FHA/VA/USDA requirements.

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A comparison of M&T's mortgage assistance options:

[IMG: man filling out an application]

Repayment Plan*

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Repayment Plan

This plan spreads your past due payments and fees over a pre-defined period of time. The past due payments & fees are divided equally and added to your regular monthly mortgage payment to help you bring your account current.

Loan Impacts & Credit Reporting
Monthly Payment: Your payments will temporarily increase.Interest Rate: No change.Credit Reporting Impacts: Credit scoring companies generally consider Repayment Plans an increased credit risk. As a result, entering into a Repayment Plan may adversely affect your credit score, particularly if you are current on your mortgage or otherwise have a good credit score. However, a foreclosure would have a more negative impact to your credit score. We will continue to report the delinquency past-due loan status to the credit reporting agencies.

Apply For Assistance
If you need assistance, contact us at 1-800-724-1633 and we'll review assistance options with you.

Benefits
Brings your account up to date within a specified time-frameYou can spread the past due payments over a period of time
Things to Keep in Mind
The monthly payments will be temporarily higher than your current payment. You may be required to make an initial down payment

Forbearance Plan*

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Forbearance Plan

This plan allows you to temporarily pause or reduce payments over a period of time.

Loan Impacts & Credit Reporting
Monthly Payment: Your payments will be temporarily reduced or paused.Interest Rate: No change.Credit Reporting Impacts: Credit scoring companies generally consider a Forbearance Plan an increased credit risk. As a result, entering into a Forbearance Plan may adversely affect your credit score, particularly if you are current on your mortgage or otherwise have a good credit score. However, a foreclosure would have a more negative impact to your credit score. We will continue to report the delinquency status of your loan to the credit reporting agencies.

Apply For Assistance
If you need assistance, contact us at 1-800-724-1633 and we'll review assistance options with you.

Benefits
Gives you time to resolve your hardship and improve or stabilize your financial situation
Things to Keep in Mind
The total past due amount will need to be re-paid at the end of the forbearance period. If you are not able to pay the past due amount, you may be able to apply for a Repayment Plan or Loan Modification

Loan Modification*

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Loan Modification

A loan modification is a permanent restructuring of your mortgage/home equity loan where one or more of the terms of your loan may be changed to bring your account current.
Examples may include:
Reducing the interest rateConverting the interest rate from a variable to a fixed rateExtending the length of the loan term

Loan Impacts & Credit Reporting
Monthly Payment: Your payments may permanently change based on your specific situationInterest Rate: This could increase, stay the same, or decrease depending on your unique situation. Also, your term may be extendedCredit Reporting Impacts: Typically with a loan modification, you must first enter into a Trial Period Plan (TPP) to prove you are capable of permanently modifying your mortgage payments. If you do need to enter into a TPP, we will continue to report the delinquency status of your loan to the credit reporting agencies, as well as your entry into a TPP in accordance with applicable law. If your loan is then permanently modified, your account will be updated with the credit reporting agencies to reflect the modification. If the loan is not modified, the TPP notation that was reported to the credit reporting agencies will be removed.  A TPP and loan modification may result in your credit score being adversely affected. For more information about your credit score, visit ConsumerFinance.gov

Apply For Assistance
If you need assistance, contact us at 1-800-724-1633 and we'll review assistance options with you.

Benefits
Allows you to continue to own your home and provides a permanent solution to your existing hardship
Things to Keep in Mind
A trial payment plan may be required to prove you can afford a loan modificationNot all modifications result in a lower payment or interest rateIn order to move forward with a modification, the title must be free and clear of any other liens and judgments

Signing Loan Mod Docs Video

Transcript

Partial Claim*

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Partial Claim

You may be eligible to be reviewed for a partial claim depending on your loan type. A partial claim is an interest-free loan typically provided by the insurer of your loan. The proceeds of the partial claim are paid to your servicer, M&T, to make your past-due payments and bring your loan “current.” A partial claim is secured by your property, just like your mortgage loan.

Apply For Assistance
If you need assistance, contact us at 1-800-724-1633 and we'll review assistance options with you.

Benefits
A partial claim comes with no additional monthly payments and is interest-freeYou may be able to move a portion of your mortgage balance to the interest-free partial claim which would help to reduce your monthly mortgage payment and save on interest
Things to Keep in Mind
A partial claim must be repaid, typically when your home is sold, you refinance your home, or your mortgage loan is eventually paid off. It cannot be repaid in installments. A single payment, in full, is required

What's a Partial Claim?

Transcript

Short Sale

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Short Sale

This option allows you to sell your property at fair market value for less than the total amount due on the mortgage/home equity loan. Your investor agrees to accept the proceeds of the sale in exchange for releasing the lien on the property.

Loan Impacts & Credit Reporting
Monthly Payment: Your payments will end when your property is soldInterest Rate: Your loan will be terminated and payments will end when your property is soldCredit Reporting Impacts: Short Sale transactions are reported to consumer reporting agencies and will likely affect your ability to obtain another Mortgage and other types of creditTax Implications: Please consult a tax advisor to discuss potential tax consequences

Apply For Assistance
If you need assistance, contact us at 1-800-724-1633 and we'll review assistance options with you.

Benefits
Avoids the lengthy legal process involved in a foreclosureA portion of the loan balance is paid off, and in some cases, you may be eligible to receive relocation assistance to help you move out of the property
Things to Keep in Mind
Depending on your investor/insurer, you may be required to contribute or repay a portion of the remaining loan balanceIf required by the IRS, we will report the remaining balance as income on the IRS Form 1099. Please ask your tax or financial advisor for more information on how this could affect youIn order to move forward with a short sale, the title must be free and clear of any other liens and judgments

Deed in Lieu

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Deed in Lieu

This plan allows you to transfer your property voluntarily to M&T Bank if you are unable to maintain payments and can’t sell your home at fair market value.

Loan Impacts & Credit Reporting
Monthly Payment: Your payments will end when the deed-in-lieu is completedInterest Rate: Your loan will be terminated and payments will end when the deed-in-lieu is completedCredit Reporting Impacts: If a deed-in-lieu is completed, we will follow standard industry practice and report to the major credit reporting agencies that a deed-in-lieu was completedTax Implications: Please consult a tax advisor to discuss potential tax consequences

Apply For Assistance
If you need assistance, contact us at 1-800-724-1633 and we'll review assistance options with you.

Benefits
Avoids a lengthy legal process involved in a foreclosureIn some cases, you may be eligible to receive relocation assistance to help you move out of the property
Things to Keep in Mind
Depending on your investor/insurer, you may be required to contribute or repay a portion of the remaining loan balanceIf required by the IRS, we will report the remaining balance as income on the IRS Form 1099. Please ask your tax or financial advisor for more information on how this could affect youYou may be required to be reviewed for the options to keep your home, or list your property for sale before being reviewed for a short sale or deed-in-lieuIn order to move forward with a deed-in-lieu, the title must be free and clear of any other liens and judgments

*Options to keep your home.

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We're here to help.

To be considered for these mortgage assistance options, your first step is to apply. We’ll contact you to go over your options once we’ve received your completed application. Information regarding your monthly income and recurring expenses (e.g. utilities, tuition, auto loans, credit cards, food and insurance) will be needed for us to determine which option may be appropriate for your situation - except in the case of FHA and VA mortgages.

Apply For Assistance

Hardship Assistance Options & Process Video

Transcript

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Additional Hardship Resources

FHA Hardship Assistance Updates

Transcript

What's a Partial Claim?

Transcript

Signing Loan Modification Docs

Transcript

M&T Bank Podcast - Time to Apply for Assistance

Transcript