M&T Bank's routing number depends on which state your account is in
M&T Bank does not have a single routing number for all accounts. The routing number you need depends on the state where your branch is located. M&T operates in New York, Pennsylvania, New Jersey, Delaware, Maryland, Virginia, West Virginia, and Washington D.C., and each state has its own routing number.
The most common routing number for M&T Bank is 021000021, which covers most M&T accounts in New York and several other states. However, if your account was opened at a branch in a different state, your routing number may be different. Using the wrong routing number can delay your payment or cause it to be sent to the wrong account.
The fastest way to find your correct routing number is to check the bottom left corner of your checks — the first nine digits printed there are your routing number. If you do not have checks or need to verify the number, you can call M&T directly or log into your online banking account.
Key Takeaways
- M&T Bank's routing number is 021000021 for most accounts, but varies by the state where your branch is located.
- Your routing number appears as the first nine digits on the bottom left of any check you have.
- You can confirm your routing number by calling M&T customer service at 1-800-724-2440 or checking your online banking portal.
- Using the wrong routing number can cause ACH transfers, direct deposits, or bill payments to fail or arrive late.
Where to find your routing number on a check
Every M&T check has your routing number printed at the bottom in a specific order. The first nine digits are the routing number, followed by your account number, and then the check number at the far right. The numbers are printed in a special magnetic ink that allows banks to read them automatically during processing.
If you have a checkbook, this is the fastest way to confirm your routing number without making a phone call. Write down all nine digits exactly as they appear — do not skip any zeros or transpose numbers, because even one digit wrong will send your payment elsewhere.
How to find your routing number online or by phone
Log into your M&T online banking account and look for account details or account information. Many banks display the routing number alongside your account number in this section. If you cannot find it there, call M&T customer service at 1-800-724-2440. Have your account number ready, and a representative can confirm your routing number in under a minute.
You can also visit the M&T website and use their routing number lookup tool if you know your state and branch location. This tool will show you the correct routing number without requiring you to call or log in.
Routing numbers by state for M&T Bank
M&T operates across multiple states, and some states have more than one routing number depending on the branch or account type. The table below shows the primary routing numbers by state:
| State | Primary Routing Number |
|---|---|
| New York | 021000021 |
| Pennsylvania | 021000021 |
| New Jersey | 021000021 |
| Delaware | 021000021 |
| Maryland | 021000021 |
| Virginia | 021000021 |
| West Virginia | 021000021 |
| Washington D.C. | 021000021 |
If you opened your account at a branch in one of these states but have since moved, your routing number typically stays the same. However, if you transferred an account from another bank or your branch closed and consolidated, your routing number may have changed. Confirm with M&T before setting up any new transfers.
What happens if you use the wrong routing number
If you provide the wrong routing number for a bill payment, direct deposit, or ACH transfer, the payment may be delayed by several days while the banking system tries to locate the correct account. In some cases, the payment bounces back to the sender, and you have to resubmit it with the correct information.
If the wrong routing number happens to belong to another real bank account, your money could be sent there by mistake. The receiving bank is required to return the funds, but this process can take one to three weeks. During that time, you may face late fees on a bill or a missed paycheck if it was a direct deposit.
Always double-check your routing number before submitting any payment, especially for recurring transfers like payroll or loan payments. A few seconds of verification can save you from weeks of trouble.
Routing numbers for M&T wire transfers and ACH payments
The routing number you use for ACH transfers (like bill pay or direct deposit) is the same as the one for standard checks — 021000021 for most M&T accounts. However, wire transfers sometimes use a different routing number depending on the type of wire and the receiving bank's requirements.
For domestic wire transfers, M&T may ask for your SWIFT code or ABA number in addition to your routing number. The ABA number is the same as your routing number. The SWIFT code for M&T Bank is MTBKUS33, which is used for international wires. If you are sending a wire, ask M&T which number the receiving bank needs — they will tell you exactly what to provide.
Frequently Asked Questions
Is the routing number the same for all M&T Bank accounts?
The routing number 021000021 covers most M&T accounts across all states where M&T operates. However, some older accounts or accounts opened at branches that have since merged may have a different routing number. Check your checks or call M&T to confirm yours.
Can I use 021000021 for any M&T account?
021000021 works for the vast majority of M&T accounts. If your account is very old or was transferred from another bank, your routing number might differ. Verify before sending money to avoid delays.
What is the difference between a routing number and an account number?
Your routing number identifies M&T Bank itself and the specific branch or processing center. Your account number identifies your individual account within that bank. Both are needed for transfers, direct deposits, and bill payments.
Do I need a different routing number for online bill pay?
No. Online bill pay through M&T uses the same routing number as checks and ACH transfers. Enter 021000021 (or your state-specific number if different) along with your account number.
What if M&T merged with another bank — does my routing number change?
M&T has acquired other banks over the years, and some accounts may have been converted to M&T accounts. Your routing number may have changed during the merger. Log into your account or call M&T to confirm your current routing number.