Guide to M&T Personal Checking Accounts and Fees

This guide provides detailed information regarding M&T Bank's personal checking accounts and associated fees. It outlines the monthly maintenance charges for various account types, including EZChoice Checking, MyWay Banking, MyChoice Plus Checking, and MyChoice Premium Checking. Each account type has specific requirements to avoid monthly fees, such as maintaining a minimum balance or having direct deposits. The document also details transaction fees, including ATM withdrawals, point of sale transactions, and wire transfer fees. Additionally, it explains standard overdraft practices, including how overdrafts are authorized and the associated fees. The guide emphasizes the importance of reviewing specific features and terms for each account, as well as additional fees that may apply. Overall, it serves as a comprehensive resource for understanding the costs and terms related to M&T personal checking accounts.