When it comes to mt bank bonus 2026, knowing the right approach makes all the difference.
M&T Bank is currently offering $350 to new customers as part of their “M&T Bank MyChoice Premium Checking $350 Bonus” promotion. This bonus is available for a limited time and expires on March 31, 2026. Open a new M&T MyChoice Premium Checking account and receive $350 when you set up qualifying direct deposits totaling at least $1,000 within 90 days. Qualifying direct deposits include payroll, pension, or Social Security — person-to-person transfers and internet payment services do not count. Below, we break down exactly how to qualify, what you need to know before signing up, and whether this bonus is worth your time.
How Do I Earn the M&T Bank “M&T Bank MyChoice Premium Checking $350 Bonus” Bonus?
Qualifying for the M&T Bank bonus is straightforward, but you need to follow every step carefully. Here is the complete process from start to finish:
- Step 1: Open new MyChoice Premium Checking account
- Step 2: Make at least $1
- Step 3: 000 in qualifying direct deposits (payroll
- Step 4: Pension
- Step 5: Or Social Security) within 90 days of account opening
Make sure to complete all requirements within the specified timeframe. Missing even one step could disqualify you from receiving the bonus. Most bonuses are deposited within 10 to 15 business days after all conditions are met, though some institutions may take longer.
We recommend screenshotting or saving a copy of the offer terms before you start. Promotions can change or be pulled at any time, and having proof of the original terms protects you if there’s a dispute about your eligibility.
What Are the Requirements for the M&T Bank Bonus?
Here is a summary of everything you need to know about this offer at a glance:
| Company | M&T Bank |
| Bonus Amount | $350 |
| Minimum Deposit | $0 |
| Requirements | Open new MyChoice Premium Checking account + make at least $1,000 in qualifying direct deposits (payroll, pension, or Social Security) within 90 days of account opening |
| Offer Expires | March 31, 2026 (11 days remaining) |
| Eligibility | New M&T checking customers only. Not available to anyone who received an M&T checking cash bonus in the last 12 months. Available in CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV. $50 early close-out fee if account closed within 180 days. Not available to M&T employees. |
Always read the full terms and conditions on the official offer page before signing up. Requirements can change without notice, and some bonuses have additional conditions — such as maintaining a minimum balance for a set period or avoiding early account closure fees — that are not always highlighted in the promotional materials.
If the bonus requires a direct deposit, keep in mind that what counts as a “direct deposit” varies by institution. Some banks accept ACH transfers from other banks, while others require an employer payroll deposit. Confirm this detail before you start so there are no surprises.
Is the M&T Bank Bonus Worth It?
This is a no-deposit bonus, meaning you can earn $350 without putting any money down — that’s hard to beat.
Keep in mind that new m&t checking customers only. not available to anyone who received an m&t checking cash bonus in the last 12 months. available in ct, dc, de, ma, md, me, nh, nj, ny, pa, va, vt, wv. $50 early close-out fee if account closed within 180 days. not available to m&t employees., so make sure you qualify before going through the application process.
Also consider any monthly maintenance fees on the account. Some banks waive these fees if you maintain a minimum balance or have direct deposit set up, but if you plan to close the account after earning the bonus, factor in any fees you might incur during the holding period.
This offer from M&T Bank is valid until March 31, 2026. As with any financial promotion, terms and conditions apply — we recommend visiting the official offer page for the most current details before you sign up. Bonus offers in this space change frequently, and acting sooner rather than later helps ensure you lock in the current terms.
If this bonus isn’t the right fit for your situation, don’t worry — there are plenty of other options available right now. Browse our full list of active bonuses to compare offers and find the best match for your goals. We update our listings daily for March 2026 so you always have access to the latest verified promotions.