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M&T Bank
M&T Bank EZChoice Checking $400 Bonus
M&T Bank pays you $400 when you open an EZChoice Checking account with promo code TG by July 31, 2026 and receive $500 or more in qualifying direct deposits within 90 days. No monthly maintenance charge. Soft credit pull. Available in CT, DC, DE, MD, NJ, NY, PA, VA, and WV.
- Bonus amount
- $400
- Expires
- Jul 31, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~90 days
- Difficulty
- Easy
Requirements
Last verified: Jul 2, 2026
Open an account
Open a new M&T EZChoice Checking account online or in a branch using promo code TG by July 31, 2026.
Receive qualifying direct deposits
Receive a total of at least $500 in qualifying direct deposits within 90 days of account opening. Qualifying deposits are recurring electronic deposits of payroll, pension, or Social Security.
M&T credits the bonus within 90 days after the account receives the qualifying direct deposits.
Tips & Gotchas
- →Promo code TG is required at account opening. Apply from the offer page so the code is attached.
- →The same $400 offer also works on MyChoice Plus and MyChoice Premium Checking, but EZChoice has no monthly fee to manage.
- →Person-to-person transfers and internet payment services do not count as qualifying direct deposits.
- →One bonus per customer. Not available if an M&T checking bonus was credited to you in the last 12 months.
- →Bonus offers may vary by product and region. Confirm the offer shows for your ZIP code on the offer page before applying.
Direct Deposit Data Points 93
Community-reported results for what triggers a qualifying direct deposit at M&T Bank.
Account Details
Do not close the account within 180 days to avoid a $50 early closure fee.
Eligibility
Cannot have received an M&T checking bonus in the past 12 months.
- Must reside in an eligible state. Bonus offers may vary by region.
Can You Earn This Bonus Again?
Fine Print
Open a new M&T EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account between 6/1/2026 and 7/31/2026 with promo code TG and receive a total of at least $500 in qualifying direct deposits within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. The bonus will be credited within 90 days of all requirements being met. One bonus per customer. Not available to customers who received a cash bonus on a personal M&T checking account within the last 12 months. Bonus offers may vary by product and region.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
No. Zelle payments don't count as direct deposit for bank bonuses. Here's why it fails and what to use instead so the bank pays you.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. Learn more