Are you an M&T Bank customer needing to manage your finances effectively? Understanding your M&T Bank routing number is essential for various banking activities, from setting up direct deposits to sending and receiving wire transfers. This guide provides you with all the necessary information to locate and utilize your M&T Bank routing number correctly, ensuring your transactions are processed smoothly and securely.
M&T Bank Routing Numbers by State
M&T Bank, like many large financial institutions, sometimes uses different routing numbers depending on the geographic location where you opened your account. It’s crucial to use the correct routing number associated with your state to avoid any delays or complications with your transactions. Refer to the table below to find the specific routing number for your M&T Bank account based on the state of origination.
| State | Routing Number |
|---|---|
| M&T Connecticut | 022000046 |
| M&T New Jersey | 022000046 |
| M&T New York | 022000046 |
| M&T Delaware | 031302955 |
| M&T Pennsylvania | 031302955 |
| M&T Maryland | 052000113 |
| M&T Virginia | 052000113 |
| M&T West Virginia | 052000113 |
| M&T Washington, DC | 052000113 |
It’s important to double-check your specific state when initiating transactions to guarantee accuracy. Using the wrong routing number could lead to rejected payments or delays in processing.
Routing Number for Wire Transfers: Domestic and International
For wire transfers, whether domestic or international, M&T Bank utilizes a specific routing number. Wire transfers are a fast and reliable way to send money, and knowing the correct routing details is paramount for these transactions. Additionally, for international wire transfers, a SWIFT code is also required to identify M&T Bank internationally.
| Type of Wire Transfer | Routing Number |
|---|---|
| International Wire Transfer | 022000046 |
| Domestic Wire Transfer | 022000046 |
| SWIFT Code | MANTUS33 |
Ensure you provide the routing number 022000046 for all wire transfers associated with your M&T Bank account. For international transfers, always include the SWIFT code MANTUS33 to ensure the funds are routed to M&T Bank correctly.
Finding Your M&T Bank Routing Number
Locating your routing number is a straightforward process. M&T Bank provides multiple convenient ways to find this information, ensuring you can access it whenever you need it.
1. Check Your Check
For those with checking accounts, the most traditional method is to look at your check. Your M&T Bank routing number is printed on the bottom left-hand corner of your checks. It’s the nine-digit number that precedes your account number.
This visual representation on your check makes it easy to identify your routing number quickly and accurately.
2. Online Banking
In today’s digital age, online banking offers a quick and secure way to find your routing number. By logging into your M&T Bank online banking portal, you can typically find your routing number within your account details or in the account summary section. This method is convenient and accessible from anywhere you have internet access.
3. Fedwire Website
Another reliable method is to use the official Fedwire website, operated by the Federal Reserve System. The Fedwire website provides a directory where you can search for routing numbers for all banks in the United States. You can visit the official Fedwire website and search for M&T Bank to find their routing numbers. This is a particularly useful resource for verifying routing numbers and ensuring accuracy.
Choosing the Correct M&T Bank Routing Number
Selecting the right M&T Bank routing number is crucial for the success of your financial transactions. While for many transactions and locations, the routing number might be consistent, it’s important to understand the nuances. Primarily, the routing number can depend on:
- The state where you opened your account: As shown in the state-specific table, different states may have different routing numbers. Always refer to the table to find the number associated with your account’s state of origin.
- The type of transaction: While generally, the routing number remains the same for most transactions including direct deposits and ACH transfers, wire transfers might have a specific routing number, as highlighted above.
For most everyday transactions like direct deposits, electronic transfers, and ACH payments, using the state-specific routing number is generally appropriate. However, for wire transfers, specifically use 022000046. When in doubt, it is always best practice to confirm your routing number directly through M&T Bank’s official channels, such as their online banking platform or by contacting customer service, to guarantee you are using the most accurate and up-to-date information.
Disclaimer: This guide is intended for informational purposes only and should not be considered financial advice. While we strive for accuracy, banking information can change. Always verify details with M&T Bank directly for any transactions.
