Frequently Asked Questions About M&T Bank Routing Numbers
Why does M&T Bank have multiple routing numbers?
M&T Bank's multiple routing numbers reflect the bank's growth through mergers and acquisitions across the East Coast. The bank was founded in 1856 in Buffalo, New York, and expanded through strategic partnerships with regional banks in different states. Each routing number corresponds to specific geographic regions where different legacy banks operated. However, for simplification, M&T Bank uses a single routing number (022000046) for all wire transfers, regardless of where your account was opened.
What's the difference between M&T Bank's ACH and wire routing numbers?
For ACH transfers, direct deposits, and bill payments, you must use the routing number specific to the state where you opened your account (022000046 for Northeast states, 031302955 for PA/DE, or 052000113 for MD/VA/WV/DC). However, for all wire transfers - both domestic and international - M&T Bank uses a single routing number: 022000046. This dual system helps streamline wire transfers while maintaining regional organization for ACH transactions.
Can I use M&T Bank for international wire transfers?
Yes, but with important limitations. M&T Bank only offers international wire transfer services to commercial banking customers. Personal banking customers cannot send international wires through M&T Bank. If you have a business account, you can send international wires by visiting a local M&T branch. You'll need to provide the recipient's SWIFT code, CHIPS/ABA number, and account details. International wire transfers cost $75 per outgoing transaction and typically take 1-5 business days.
How do I find which routing number to use for my M&T Bank account?
The easiest way is to look at the bottom-left corner of your M&T Bank checks, where your routing number appears as the first nine digits. You can also log into M&T Online Banking or the M&T Mobile App, select your account, and tap "Account Info" to view your routing number. If you're still unsure, call M&T Bank customer service at 1-800-724-2440 with your account information ready for verification.
What are M&T Bank's wire transfer fees?
M&T Bank charges $32 for outgoing domestic wire transfers and $75 for outgoing international wire transfers (business accounts only). Incoming wire transfers cost $16 regardless of whether they are domestic or international. These fees apply only to commercial banking customers, as personal banking customers do not have access to wire transfer services through M&T Bank. For frequent transfers, these fees can add up quickly, making alternative payment methods worth considering.
