M&T Bank Promotions: Up to $450 New Checking Bonus

M&T Bank Logo

M&T Bank is offering three different cash bonus promotions if you open up a checking account by 3/31/2022. Simply apply online or visit your local M&T Bank to open an account and set up a direct deposit totaling a certain amount within 90 days to receive your bonus.

When it comes to regional banks, M&T Bank is one of the largest and most recognizable in the northeast United States. It helps that they have their name all over M&T Bank Stadium, home of the NFL’s Baltimore Ravens!

Founded in 1865, M&T Bank stands for Manufacturers and Traders Trust. They are headquartered in Buffalo, NY and its FDIC# is 588.

Living in Baltimore, we see M&T Bank branches all over the place. Their headquarters are in the northern part of New York but they have branches scattered throughout the northeast of the United States.

If you are near an M&T Bank, you can take advantage of one of the most generous bank promotions available right now.

M&T Bank promotions are available to residents: of CT, DC, DE, MD, NJ, NY, PA, VA, WV.

Here are the current offers, all of which expires on 3/31/2022.

M&T Bank runs different promotions in different areas. The accounts are the same but the amount of the welcome bonus will vary. The values listed below are ranges and the screenshot was taken in a Maryland ZIP code.

Check out our full review of M&T Bank here.

Table of Contents
  1. MyChoice Premium Checking & Money Market – up to $450
  2. EZChoice Checking Account – $150 [EXPIRED]
  3. MyChoice Plus – $250 [EXPIRED]
  4. How Does This Promotion Compare?

MyChoice Premium Checking & Money Market – up to $450

M&T Bank has a new promotion where you can get up to $450 when you open a MyChoice Premium Checking account and it does not require a direct deposit.

By 5/27/2022, open a MyChoice Premium Checking with the promo code CF and then maintain an average monthly balance of at least $10,000 in June 2022 and July 2022 – that gets you $350.

Open a MyChoice Money Market account and maintain an average monthly balance of at least $10,000 in June 2022 and July 2022 – that gets you an extra $100.

The cash bonus will be credited by 8/31/2022 when you meet the requirements.

Learn more about this offer

EZChoice Checking Account – $150 [EXPIRED]


You can get $150 when you open an EZChoice Checking account and receive at least $500 in qualifying direct deposits within 90 days of account opening.

The EZChoice Checking has no monthly maintenance charge and no minimum balance requirement – but the minimum opening balance is $25.

MyChoice Plus – $250 [EXPIRED]


You can get $250 when you open a MyChoice Plus checking account and receive at least $500 in qualifying direct deposits within 90 days of account opening.

The MyChoice Plus offers ATM surcharge rebates and some interest, though you must have direct deposits of $1,500+ or more each month or a $2,500+ average daily balance to avoid the $14.95 monthly maintenance charge.

How Does This Promotion Compare?

We maintain a list of the best bank promotions over $100 and the dollar amounts of the promotions are comparable to the highest on the list.

⭐Citi Priority Account – $300, $700, or $1,500

Citi Priority is offering $300, $700, or $1,500 bonus when you open an account by 7/17/2022. Then, within 20 days of opening your account, deposit at least $15,000 in New-to-Citi funds and keep it there for 60 days after the 21st day. The bonus amount is based on how much you can transfer but the lowest tier starts at $15,000.

Click here to learn more

Discover Online Savings Account – $150 or $200

Discover Bank is offering a $150 or $200 bonus when you open your first Discover Online Savings Account with the promotion code WH222 and deposit at least $15,000 into the account within 30 days. You get $150 if you deposit $15,000 or more and $200 if you deposit $25,000.

Click here to learn more

Chase Total Checking® – $200

Chase Bank will give you $200 when you open a Total Checking account and set up direct deposit within 90 days. There is a $12 monthly fee that is waivable with a monthly direct deposit of just $500, so no gotchas on this deal!

Click here to learn more

SoFi Money – up to $300

SoFi Money will give you up to $300 if you open an account and make direct deposits of at least $1,000. The bonus will be based on the total amount of those direct deposits in a 30-day evaluation period.

Click here to learn more

HSBC Premier Checking – $450

HSBC has an offer where you can get $450 for eligible new customers who open an HSBC Premier checking account and make recurring monthly qualifying direct deposits of at least $5,000 for 3 consecutive months.

Click here to learn more

Huntington Bank – up to $300

If you are a resident of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin then you could get up to $300 from Huntington Bank for opening a new checking account. There are several checking accounts that qualify but they’re great offers if you live in their geographic region.

Click here to learn more

TD Bank – $300 or $150

TD bank has two bank offers for checking accounts and both are fairly easy to attain. For example, get $300 when you open a TD Beyond Checking account and receive direct deposits of $2,500 or more within 60 days of opening your account.

Click here to learn more

The EZChoice Checking promotional and the MyChoice Plus offers are OK but you can certainly do better than the MyChoice Premium and its high minimums.

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About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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  1. Amber says

    Can you still get the sign up bonus if you don’t do the 25$ minimum opening deposit when opening the account? What if it doesn’t ask for the 25$ and let’s you open the account without it saying you will give it in the 60 day period along with the 500$ direct deposit you are going to do in order to get the sign up bonus. Will you still get the bonus without the first day 25$ but do the direct deposits each week after totaling way more than 500$ in the 60 day period

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