M&T Bank Check Template
Print personal or business checks for your M&T Bank checking account. Free, no signup, instant PDF download.
About This Template
Free M&T Bank check template: enter your M&T Bank routing number (022000046 shown here as an illustrative example — confirm yours on your own check or in M&T online banking, since it can differ by state or legacy institution) and account number to create printable checks. Download as a PDF, print on blank check stock. No signup required. Not affiliated with M&T Bank.
When to Use This Template
M&T Bank customers in the Mid-Atlantic and Northeast use this template to print checks for rent, contractor payments, vendor invoices, and any payment requiring a physical check. M&T Bank is particularly strong in New York, Pennsylvania, Maryland, Virginia, West Virginia, Delaware, New Jersey, Connecticut, and Washington DC — customers across all these markets can use this template.
Who This Template Is For
M&T Bank personal and business checking account holders. Especially useful for customers in the Mid-Atlantic corridor — Baltimore, Buffalo, Philadelphia, and surrounding areas where M&T Bank has the most branches. Also useful for People's United Bank customers whose accounts were converted to M&T following the 2022 merger.
M&T Bank Check Layout and Security Features
Deluxe handles M&T's check production, so the paper, microprinting, and security screen match Deluxe's standard specification, the same one used for several other major banks' checks. M&T Bank is headquartered in Buffalo, New York, and its 2022 acquisition of People's United Bank — a New England-based bank — extended its footprint from the Mid-Atlantic further into Connecticut, Massachusetts, and Vermont, which is part of why routing numbers vary across former People's United markets.
See our guide to how the MICR line, microprinting, and security screen work on any US check →
Ordering Checks from M&T
Deluxe prints M&T's checks under a standing vendor contract. Order through M&T online or mobile banking, at a branch, or — for business accounts specifically — by calling Deluxe directly at 1-800-328-0304.
Business vs. Personal M&T Checks
M&T's personal checking lineup runs from EZChoice Checking (no monthly fee, no minimum balance) through MyChoice Plus Checking (interest-bearing, free at a $2,500 average daily balance, no out-of-network ATM fees) to MyChoice Premium Checking (free at $7,500, or $25,000 in combined eligible balances). All three support standard personal check printing.
M&T also offers several business checking tiers for startups through established companies, with fees that scale by account type and can be waived through qualifying balances or activity — confirm current terms with M&T's business banking team since published details vary more than the personal lineup.
Features of This Template
- M&T Bank routing number: 022000046 shown as an example — verify your own in M&T online banking, since it can differ by state or legacy institution
- Works with M&T EZChoice Checking, MyChoice Plus Checking, and MyChoice Premium Checking
- Works with M&T business checking accounts
- Covers former People's United Bank customers now on M&T
- MICR line with routing number, account number, and check number
- Automatic number-to-words conversion
- High-resolution PDF download, no signup required
How to Use This Template
- 1
Confirm Your M&T Routing Number
022000046 is shown on this page as an illustrative example only — accounts converted from People's United Bank after the 2022 merger may use a different number. Verify yours in M&T online banking first.
- 2
Click "Use This Template"
Opens the check editor pre-loaded with M&T's routing number, compatible with EZChoice, MyChoice Plus, and MyChoice Premium Checking.
- 3
Add Your M&T Account Number and Payment Details
As soon as you enter the dollar amount, the spelled-out version appears beside it automatically.
- 4
Download the Print-Ready PDF
Generates a high-resolution PDF with a correctly formatted MICR line, matching what Deluxe prints for M&T's own stock.
- 5
Print It, or Use It as a Voided Check
Print on blank check stock for a payable check, or write VOID across a printed copy — useful for former People's United customers setting up direct deposit under their new M&T account.
Frequently Asked Questions
Is this template affiliated with M&T Bank?
No. CheckWriter is an independent tool not affiliated with M&T Bank Corporation. This template produces standard-format checks that work with your M&T account when you enter your correct routing and account numbers.
What is M&T Bank's routing number?
022000046 is a commonly published M&T Bank routing number, shown here as an example. Your actual number can differ by state or legacy institution — particularly for accounts that originated with People's United Bank before the 2022 merger — so always confirm your specific number on your M&T statement, in M&T online banking, or by calling M&T customer service before printing anything you intend to deposit or send.
I was a People's United Bank customer — can I use this template?
Yes. People's United Bank merged with M&T Bank in 2022, and most former People's United accounts have been converted to M&T accounts. Check your current routing number in M&T online banking to confirm which number applies to your account now.
Can I print a voided check for direct deposit?
Yes. Enter your M&T routing number and account number, leave payee and amount blank, download the PDF, print, and write VOID across the front. Submit to your employer or HR department to set up direct deposit.
What paper should I use?
For checks to be processed by a bank, use blank check stock paper from Staples, Office Depot, or Amazon. For voided checks, plain printer paper works fine.
How do I order official checks directly from M&T?
M&T's official check provider is Deluxe. Order through M&T online or mobile banking, at a branch, or for business accounts by calling 1-800-328-0304 to order directly through Deluxe.
What's the difference between M&T's checking accounts?
EZChoice Checking has no monthly fee and no minimum balance requirement — M&T's baseline account. MyChoice Plus Checking is interest-bearing and free at a $2,500 average daily balance, with no out-of-network ATM fees. MyChoice Premium Checking is free at a $7,500 balance (or $25,000 combined across eligible accounts) and adds richer perks on top of Plus.
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