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- M&T Bank only offers free checks with certain premium accounts, such as MyChoice Premium Checking.
- Basic accounts, like EZChoice Checking, do not come with free checks.
- Customers can order checks through M&T’s online banking, customer service, or a branch.
- Third-party vendors may offer lower-priced checks for M&T Bank account holders.
- Digital payment alternatives, such as online bill pay and Zelle, reduce the need for physical checks.
- M&T’s policy on free checks aligns with common practices at other banks.
- Choosing an account with free checks depends on individual check usage and banking needs.
When it comes to banking essentials, checks still play a significant role in personal and business finances. For customers at M&T Bank, a common question is, “Does M&T Bank offer free checks?” This article dives into M&T Bank’s check policies, exploring the options available, any associated costs, and how customers can access checks in the most cost-effective way. We’ll look at M&T Bank’s account types, discuss whether free checks are provided, and offer tips for managing check expenses.
Does M&T Bank Offer Free Checks?
Though digital payments and online banking are popular, checks remain a staple for many transactions, especially for individuals and small businesses. Having access to checks, and ideally free ones, can make a big difference for those who rely on them for regular payments.
This guide addresses the question, “Does M&T Bank offer free checks?” and explains what customers can expect in terms of costs and options with their accounts.
Overview of M&T Bank’s Checking Accounts
M&T Bank offers several checking account types, each designed to meet different financial needs. Here’s a brief overview:
- EZChoice Checking: M&T’s most popular account, which offers simplicity with low maintenance fees.
- MyChoice Premium Checking: This account provides more features and perks, including certain fee waivers.
- MyChoice Plus Checking: A middle-tier option that balances costs and benefits.
- Student Checking: Designed for students, this account has minimal fees and offers additional flexibility.
Each account comes with a set of benefits and potential perks, but to answer the question, “Does M&T Bank offer free checks?” we need to examine these account types more closely.
Does M&T Bank Offer Free Checks for All Accounts?
The short answer is no—M&T Bank does not offer free checks universally across all accounts. Only certain accounts provide free checks as part of their benefits. Typically, M&T Bank includes free checks with premium accounts, such as MyChoice Premium Checking, but not with their basic or entry-level accounts like EZChoice Checking.
If you’re wondering, “Does M&T Bank offer free checks with EZChoice Checking?” the answer is no. However, M&T Bank occasionally offers discounts on checks, so it’s worth checking with a bank representative to see if any promotions are available.
How to Access Free Checks with MyChoice Premium Checking
For M&T Bank customers who want free checks, the MyChoice Premium Checking account may be a good fit. This account often includes a set number of free checks per order, providing value to customers who regularly use checks. To access this benefit, you’ll need to meet the account requirements, such as maintaining a higher minimum balance.
Customers interested in this option should visit an M&T branch or speak with a customer service representative to confirm the current terms. Remember, “Does M&T Bank offer free checks?” is a question often dependent on account type and eligibility.
Ordering Checks Through M&T Bank
If you hold an account without free checks, M&T Bank still offers a straightforward process to order checks. M&T partners with third-party check providers, such as Deluxe, to supply checks for customers. To order, you can log into your online banking, contact customer service, or visit a branch.
Ordering directly through M&T ensures that checks meet the bank’s specifications. However, if you have to pay for them, ordering checks from an external vendor may sometimes save you money.
Can You Get Free Checks Elsewhere?
If M&T Bank does not provide free checks with your account type, you can consider other ways to get checks at a lower cost:
- Third-Party Vendors: Websites like Vistaprint, Checks.com, and Walmart often offer lower prices on checks.
- Check Promotions: Keep an eye out for seasonal promotions, which sometimes offer free checks with your first order.
- Refill Discounts: Many check providers give discounts for repeat customers or bulk orders.
Although not a direct answer to “Does M&T Bank offer free checks?” these options help customers who prefer to avoid full-price check orders.
Exploring Alternatives to Paper Checks
With mobile and online banking advancing, it’s worth considering alternatives to paper checks. M&T Bank offers various digital payment options, such as online bill pay, which can eliminate the need for physical checks. Here are some popular digital methods:
- Online Bill Pay: Available with most M&T accounts, allowing users to pay bills electronically.
- Wire Transfers: For larger payments, wire transfers are a secure option.
- Zelle Integration: M&T supports Zelle for quick and easy peer-to-peer transfers.
While digital alternatives may not fully answer the question, “Does M&T Bank offer free checks?” they provide valuable options for customers looking to reduce check usage and potentially save money.
How M&T Bank’s Fees Compare to Other Banks
When examining M&T Bank’s policies on free checks, it’s helpful to compare them to other banks. For instance:
- Chase Bank: Offers free checks with select high-tier accounts.
- Wells Fargo: Includes discounts or free checks with some checking options.
- Bank of America: Offers free checks with certain accounts but generally charges for standard accounts.
M&T’s policy aligns with industry standards, where free checks are usually limited to premium accounts. This comparison is essential for understanding the competitive landscape and making an informed choice.
Frequently Asked Questions
Here are some of the related questions people also ask:
Does M&T Bank offer free checks with all account types?
No, M&T Bank only provides free checks with certain premium accounts, such as MyChoice Premium Checking. Basic accounts like EZChoice Checking do not come with free checks.
Can I get free checks with M&T’s EZChoice Checking account?
No, M&T’s EZChoice Checking does not include free checks. Customers with this account type may need to pay for check orders or look for discounts.
How can I order checks from M&T Bank?
You can order checks from M&T Bank through online banking, by contacting customer service, or by visiting a branch. M&T partners with providers like Deluxe to supply checks.
Are there alternatives to ordering checks through M&T Bank?
Yes, you can order checks from third-party vendors like Vistaprint, Checks.com, or Walmart, which may offer lower prices than ordering directly through the bank.
Does M&T Bank offer digital payment options instead of checks?
Yes, M&T Bank provides digital payment options like online bill pay and Zelle for peer-to-peer payments, which can reduce the need for paper checks.
Are there any promotions for free checks at M&T Bank?
M&T Bank occasionally offers discounts or promotional pricing on checks, so it’s a good idea to check with a representative for any current offers.
What are the benefits of MyChoice Premium Checking at M&T Bank?
MyChoice Premium Checking includes various perks, such as free checks, ATM fee waivers, and sometimes higher interest rates, making it a good choice for those who regularly use checks.
How do M&T Bank’s check fees compare to other banks?
M&T Bank’s policy aligns with industry standards, where free checks are generally offered only to premium account holders, similar to banks like Chase and Wells Fargo.
Is it cheaper to use digital payments than paper checks with M&T Bank?
Yes, digital payments, such as online bill pay and Zelle, are often free with M&T Bank accounts and can help you avoid the cost of ordering physical checks.
The Bottom Line
In answering, “Does M&T Bank offer free checks?” it’s clear that M&T Bank has a selective policy. Free checks are typically available only for premium account holders, such as those with MyChoice Premium Checking. For basic or entry-level accounts, free checks are not a standard feature, though customers can still order them through M&T or external vendors at a cost.
To decide if an M&T Bank account is right for you, consider your check usage. If checks are essential to your finances, upgrading to an account with free check benefits could be worthwhile. Otherwise, exploring cost-effective alternatives or digital payment methods may be a practical solution.
Ultimately, the question, “Does M&T Bank offer free checks?” has a nuanced answer, depending on account type and personal banking needs.