M&T Bank, initially established as Manufacturers and Traders Bank in 1856, has a rich history dating back to the mid-19th century in Buffalo, New York. The bank was officially chartered by the State of New York in 1892, underscoring a long legacy of financial service provision in the region​. The founders of the institution were Pascal Paoli Pratt, Bronson C. Rumsey, and their associates. Their vision was to create a bank that would serve the interests of the community and the burgeoning industries of the time​.

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M&T Bank has since evolved into a significant financial institution with its headquarters located in Buffalo, New York. The bank operates in several states across the United States, specifically in 13 states, with a network of over 1,009 branches and 1800 ATMs, catering to the diverse financial needs of its clientele. The states where M&T Bank has a presence include New York, Connecticut, Maryland, Pennsylvania, New Jersey, Delaware, Virginia, West Virginia, Florida, Arizona, and the District of Columbia.

Classified as a bank holding company, M&T Bank Corporation is organized around seven business sectors, demonstrating a diversified operational model that extends beyond traditional banking services. The bank, under the market segment of Financial Institutions, is categorized as a U.S. Bank Holding Company, highlighting its broader financial scope and capabilities. With a community bank approach, M&T Bank provides a range of services, including personal and business banking, mortgage, loan, and investment services, aligning with the financial aspirations of individuals and businesses alike.

M&T Bank is also a member of the FDIC (Federal Deposit Insurance Corporation), ensuring the security and insurance of the deposits held by its customers. The FDIC Certificate number for M&T Bank is 588, while its routing number is 022000046, providing a framework for safe and regulated banking operations​.

Furthermore, M&T Bank has outlined a series of policies aimed at safeguarding the interests and the privacy of its customers. These policies cover a range of areas, including accessible banking, privacy notices, anti-money laundering compliance, beneficial ownership regulations, and fair lending, among others. The bank ensures adherence to Regulation E protections for personal deposit accounts and also complies with the Foreign Account Tax Compliance Act (FATCA) to meet U.S. tax obligations. Here is the list of M&T Bank Routing Numbers CLick Here.

Moreover, M&T Bank has embraced corporate governance standards, policies, and procedures to ensure adherence to ethical, legal, and regulatory requirements, thus fostering a culture of accountability and transparency within the organization.

M&T Bank's banking services are designed to offer a convenient banking experience to its customers. They have a variety of account options with low minimum opening deposits and waivable monthly maintenance fees, although they have a limited service area and a high minimum balance requirement on Premium checking accounts. Through an integration of traditional banking services with wealth management and institutional capabilities offered by Wilmington Trust, M&T Bank strives to provide comprehensive financial solutions to its customers​.