Last Updated: 01/21/2026
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $24.95(Verified 01/21/2026)
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M&T Bank My Choice Premium Checking Review
The M&T Bank My Choice Premium Checking is offered by M&T Bank, a bank founded in 1856 and based in Buffalo, NY. M&T Bank My Choice Premium checking is available in 8 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
- Charges a monthly fee. This account charges a monthly fee of up to $24.95, but the fee may be waived if you keep a minimum balance of$7,500.
- No ATM fees. M&T Bank My Choice Premium Checking does not charge fees on ATM transactions within its network but there is a fee of $3 for out-of-network ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in M&T Bank mobile or online banking.
M&T Bank My Choice Premium checking Pros & Cons
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M&T Bank My Choice Premium checking FAQ
Are checking accounts from M&T Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does M&T Bank My Choice Premium checking offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.01% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
M&T Bank My Choice Premium checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).
What are the account minimums for M&T Bank My Choice Premium checking?
M&T Bank My Choice Premium checking requires a minimum initial deposit of $25.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $7,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $25,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does M&T Bank My Choice Premium checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $24.95.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $24.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $38.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $38.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does M&T Bank My Choice Premium checking charge overdraft fees?
Yes, M&T Bank My Choice Premium checking charges a $38.5 fee for every overdraft.What features and perks does M&T Bank My Choice Premium checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - M&T Bank My Choice Premium checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - M&T Bank My Choice Premium checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for M&T Bank My Choice Premium checking?
The customer support email for M&T Bank My Choice Premium checking is ir@mtb.com .
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from M&T Bank My Choice Premium checking
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 4:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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-1000+100
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Everyone recommends
M&T Bank My Choice Premium Checking Community Reviews
Would you recommend M&T Bank My Choice Premium Checking to your friends?
DS
Dhan S.
Jul 22, 2023
May or may not recommend
I like it so nice bank so helpful so courageous so likely so comfortable so
AH
Ashley H.
May 8, 2022
May or may not recommend
If you go into the negative this bank used to give you another day to get the balance back up without a late fee, now they just tack a $40 fee onto the account, which to say the least is not very helpful. I also had an issue where I was playing a game online and it said click to pay, but the screen wouldn't load. I kept clicking and ...Show More
Showing 2 of 2 reviews
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