M&T Bank

A household cash-flow view can include money held at more than one institution. M&T Money Smart brings the bank’s own and supported outside accounts together, while eStatements provide up to seven years of M&T records. The mobile app also shows deposited and cleared checks and supports scheduled bills.

EZChoice Checking

EZChoice has no monthly maintenance charge, minimum ongoing balance or transaction-count requirement. It needs US$25 to open. Other transaction and service charges, including overdraft fees, can still apply.

The published application route is for US citizens aged at least 18. Enter a home ZIP code on the product page to establish which accounts are offered in that area, then apply online or arrange branch help. After the account confirmation email, enrol in online banking. M&T gives a debit-card arrival estimate of seven to ten business days.

Mobile login and records

The app requires existing online-banking enrolment. In the updated first-login flow, enter the user ID and password in the browser window opened by the app. Facial or fingerprint access can be restored afterward:

• On iPhone, choose Menu → App Settings → Face ID.
• On Android, choose Menu → Settings → Fingerprint Login.

M&T does not add a charge for ordinary mobile check deposit. Checks can be submitted until 10 p.m. Eastern Time for the same business-day deposit date; that cutoff does not mean every deposit is immediately available. For a missing debit card, the app also offers replacement and lost-or-stolen reporting options.