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​.

To Read Core Details Of M&T Bank In short CLick Here.

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​.


Bank Name M&T Bank
Headquarters 345 Main Street, Buffalo, New York 14203
Bank Class State Chartered - FED Member Bank
Founders Pascal Paoli Pratt, Bronson C. Rumsey
CEO René F. Jones
Bank FDIC Certificate #588
Atm's 1800
Location 1009 Branches in 13 states
Routing Number Click Here
President Richard S. Gold
Customer Service 1 (800) 724-2440
Credit Card Support 1-866-279-0888
Number of Employees 17,569
ISIN US55261F1049
Area Served Regional
Key People René F. Jones (Chairman and CEO), Kevin J. Pearson (Vice Chairman), Richard S. Gold (President and COO)
Subsidiaries Wilmington Trust
Website https://mtb.com/


State M&T Bank routing number State M&T Bank routing number State M&T Bank routing number
M&T Connecticut 022000046 M&T New Jersey 022000046 M&T New York 022000046
M&T Delaware 031302955 M&T Pennsylvania 031302955 M&T Maryland 052000113
M&T Virginia 052000113 M&T West Virginia 052000113 M&T Washington, DC 052000113
Domestic Wire Transfer 022000046 International Wire Transfer to M&T Bank account in the USA 022000046    


A SWIFT code, also known as a BIC (Bank Identifier Code), is a standard format for uniquely identifying banks globally, especially during international transactions. It comprises 8-11 characters. The first 4 characters represent the bank's code, the next 2 denote the country, followed by 2 for the city. The remaining characters (which are optional) specify the bank's branch. This system ensures secure and efficient cross-border transfers. For instance, when sending money overseas, one would need the recipient's bank SWIFT code. It acts as an address that tells where to send the money, ensuring funds reach the correct institution.


MANT Bank code
US Country code
3A Location code
BUF Branch code
  • Country code A-Z

    2 letters representing the country the bank is in.

  • Location code 0-9 A-Z

    2 characters made up of letters or numbers. It says where that bank's head office is.

  • Branch Code 0-9 A-Z

    3 digits specifying a particular branch. 'XXX' represents the bank’s head office.


Below is a list of some important events in banks history, including mergers and acquisitions.

01-01-1856 Institution established. Original name: Manufacturers and Traders Trust Company.
01-01-1976 Acquired First Empire Bank - New York (19864) in New York City, NY.
01-26-1990 Acquired Monroe Savings Bank, Fsb (16036) in Rochester, NY.
09-28-1990 Acquired Empire Federal Savings Bank of America (32952) in Buffalo, NY.
05-31-1991 Acquired Goldome (15963) in Buffalo, NY.
03-01-1992 Acquired The First National Bank of Highland (7101) in Highland, NY.
07-01-1992 Acquired Central Trust Company (12955) in Rochester, NY.
07-01-1992 Acquired Endicott Trust Company (598) in Endicott, NY.
12-01-1994 Acquired Citizens Savings Bank Fsb (31753) in Ithaca, NY.
05-24-1997 Acquired The East New York Savings Bank (16014) in New York City, NY.
04-01-1998 Acquired Franklin First Savings Bank (29136) in Wilkes-Barre, Pa.
04-01-1998 Acquired OnBank & Trust Co. (7319) in Syracuse, NY.
06-01-1999 Acquired First National Bank of Rochester (19514) in Rochester, NY.
06-30-2000 Main Office moved to One M And T Plaza, Buffalo, NY 14203.
10-07-2000 Acquired Keystone Financial Bank, National Association (7712) in Harrisburg, PA.
02-10-2001 Acquired Premier National Bank (6964) in Poughkeepsie, NY.
04-01-2003 Acquired Allfirst Bank (4822) in Baltimore, MD.
06-14-2003 Acquired Allfirst Trust Company National Association (34466) in Mclean, Va.
06-14-2003 Acquired Allfirst Trust Company of Pennsylvania, National Association (35482) in Harrisburg, PA.