M & T Bank routing number

One of three, decided by where the account was opened. M&T’s published rule is that its three routing numbers are “based on the state in which you opened your account”.

The Federal Reserve’s routing-number key labels the three prefixes Buffalo (0220), Philadelphia (0313) and Baltimore (0520). Those office labels do not determine M&T’s state groups; use the bank’s published table rather than inferring a number from Federal Reserve geography.

1. 1

   On a cheque

   M&T: “It will be in the bottom-left corner, listed first before your account number.”

2. 2

   In Online Banking or the app

   Open the deposit account, then the “Account Info” tab, or “ACCT INFO” in the app.

3. 3

   Still unsure

   M&T’s Contact Center confirms it: 1-800-724-2440.

For an incoming domestic wire, always 022000046 — whichever state the account was opened in. The three-way split does not apply here: M&T publishes one set of incoming-wire instructions for the whole bank.

Beneficiary bank

M&T Bank — Manufacturers and Traders Trust Company

Bank address

One M&T Plaza, Buffalo, NY 14203

Domestic wire

022000046

CHIPS/ABA

0555

International (SWIFT)

MANTUS33

Receiving a wire is not free at M&T. Its published personal fee guide sets these amounts:

Two footnotes: the incoming-wire fee is waived on a MyChoice Premium Checking account, and wire fees post immediately rather than at the end of the day’s batch. Fees change — check the current guide.

Give your employer the routing number for your account-opening state, your account number, and whether the account is chequing or savings. M&T publishes a Payroll Direct Deposit form for payroll departments that want one.

M&T’s funds-availability disclosure places ACH credit entries — including payroll and Social Security — in its same-business-day availability category. An international ACH transaction may be delayed while required monitoring and review are completed.

M&T’s Bank to Bank Transfers service is cheap and narrow: it links a personal M&T chequing, savings or money market account to a verified personal account at another US bank, runs only through Online Banking, and caps inbound and outbound movement together at $2,000 a day and $5,000 in any 30-day period.

Instructions given before 8:40pm EST generally process within three business days; an outbound transfer is debited immediately but credited at the other bank around the next business day.

The repository snapshot behind this page contains 33 entries under M&T Bank. Thirty-two show Amherst and one shows Buffalo; the address and phone fields also vary. All 33 pass the ABA checksum, but that mathematical test does not establish that a number is current. M&T’s current page publishes only three for customer routing use.

Nine of the snapshot’s 33 entries begin with a 2 rather than a 0 — a range the Federal Reserve key associates with thrifts and credit unions in Districts 1 through 9. None appears on M&T’s current routing-number page; the snapshot alone does not establish present routing status.

The repository also has two entries under People’s United Bank, N.A., which the FDIC records as inactive from 2 April 2022. That is a warning against treating a directory snapshot as a current conversion guide. Confirm the number on a current M&T cheque, in Online Banking or with M&T.

For an international wire to M&T, the bank’s instructions specify SWIFT code MANTUS33, the beneficiary’s name and account number, and M&T at One M&T Plaza, Buffalo, NY 14203.

M&T’s January 2026 personal fee guide lists a $16 incoming-wire fee and says that fee is not assessed when the related account is MyChoice Premium Checking. Confirm the current fee before sending.