M&T Bank Routing Numbers for Fund Transfers:

M&T Bank Routing numbers may vary by location – check the details you need by state. The list below contains routing numbers for M&T Bank in a specific state.

State M&T Bank State M&T Bank State M&T Bank
Connecticut
022000046
Delaware
031302955
Maryland
052000113
New Jersey
022000046
New York
022000046
Pennsylvania
031302955
Virginia
052000113
West Virginia
052000113
Washington, DC
052000113

What is Routing Number?

The nine-digit routing number is used to identify a bank. Consider it an electronic address that enables a bank to send and receive money from other financial institutions. 

The routing number guarantees that money goes to the appropriate account and identifies the financial institution in charge of the payment.

The first two numbers are usually between 00 and 12. While major banks may have many routing numbers, smaller banks are only given one. Routing numbers are required to set up direct deposits with your company (for your paycheck) or the IRS, pay bills, order new checks, and pay bills (for a tax refund).

How to Check Routing Number on Check

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M&T Bank Routing Numbers for ACH Payment:

M&T Bank Routing numbers may vary by location – check the details you need by state. The list below contains routing numbers for M&T Bank in a specific state.

State M&T Bank State M&T Bank State M&T Bank
Connecticut
022000046
Delaware
031302955
Maryland
052000113
New Jersey
022000046
New York
022000046
Pennsylvania
031302955
Virginia
052000113
West Virginia
052000113
Washington, DC
052000113

When Routing Number is Required?

You may easily carry out a range of banking operations if you understand what a routing number is and where to locate it.
Numerous routine financial operations involve routing numbers such as:

  1. Requesting your employer to set up direct deposit for your paycheck.
  2. Enabling direct deposit for government funds such as Social Security.
  3. Establishing an online bill payment schedule.
  4. Process checking.
  5. Transferring money by Fund Transfer or ACH Payment.
  6. Registering for peer-to-peer payment systems like PayPal or Venmo.
  7. Initiating transfers between your accounts at various banks.
  8. Making telephone payments from your bank account.
  9. Changing check orders.
Bank Wire Transfer Routing Number

How to Find M&T Bank Routing Number?

There are different ways to trace the M&T Bank routing number:

1-Routing Number on M&T Bank Mobile App: The fastest and easiest way to find the M&T Bank Routing Number is to use M&T Bank Mobile App You can also find the routing number by following these directions:

  • Login to your account and select the required account.
  • Select the Account Information from the Account Options.
  • Here you can find the last four digits of your account number which links to the full account number and the routing number.
How to find Routing Number on Mobile App
Find your Routing Number via Online Banking

2-M&T Bank Routing Number via Online Banking: 

  • By entering into M&T Bank online banking and selecting the correct account, you can get your routing number there.
  • The account title, the last four digits of your account number, and the M&T Bank Routing Number are all visible in the top box.

3-M&T Bank Routing Number on Monthly Statement:

  • The top right corner of your monthly statement has your M&T Bank Routing Number.
  • With e-statements, you can guarantee that your monthly statement is always available to you.
Find Routing Number on Monthly Statement
Routing Number on Check Book

4-M&T Bank Routing Number on Check Book:

  • The nine-digit number printed in the bottom left corner of every check is the M&T Bank Routing Number.

5-On this page and on Website of Federal Reserve:

M&T Bank routing number for checking accounts and Fund transfers is listed on this page and on Website of The Federal Reserve.

Website of Federal Reserve

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Frequently Asked Questions

Is the Number on Your ATM Debit Card a Routing Number?

No. The number on an ATM debit card is not a routing number. Debit cards and credit cards don’t use routing numbers. The financial institution links the ATM debit card to your bank account through its banking system.  

Is a Routing Number Confidential?

No. All bank account holders with accounts set up in the same area have the same routing number. Routing numbers are readily available through online lookup tools.  However, a bank account number should be considered confidential to avoid fraud resulting in the loss of funds. Treat a bank account number with the same degree of confidentiality as a Social Security Number.

Is my IBAN the same as my SWIFT code?

No, your IBAN code and SWIFT code are different. Your IBAN identifies the individual bank account you’re using to make your overseas transfer, whereas your SWIFT is much shorter and used to identify a specific bank to verify international payments.

do I need routing number for international transfers?

If you have a US bank account, you’ll need your routing number for every transfer and if it’s international, you’ll also need your SWIFT code.

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