ACH US Routing Number – M & T BANK
| Routing Number | Address | City | State | |
| 1 | 021300336 | 2ND FLOOR | AMHERST | NY |
| 2 | 021302978 | SECOND FLOOR | AMHERST | NY |
| 3 | 021906471 | 2ND FLOOR | AMHERST | NY |
| 4 | 021907577 | 2ND FLOOR | AMHERST | NY |
| 5 | 022000046 | 2ND FLOOR | AMHERST | NY |
| 6 | 031100092 | ACH/EDI SERVICES | AMHERST | NY |
| 7 | 031100173 | 2ND FLOOR | AMHERST | NY |
| 8 | 031300834 | 2ND FLOOR | AMHERST | NY |
| 9 | 031301532 | 2ND FLOOR | AMHERST | NY |
| 10 | 031302955 | 2ND FLOOR | AMHERST | NY |
| 11 | 031304720 | 626 COMMERCE | AMHERST | NY |
| 12 | 031318619 | 2ND FLOOR | AMHERST | NY |
| 13 | 031901929 | ACH/EDI SERVICES | AMHERST | NY |
| 14 | 051008828 | SECOND FLOOR | AMHERST | NY |
| 15 | 052000113 | 2ND FLOOR | AMHERST | NY |
| 16 | 052000634 | SECOND FLOOR | AMHERST | NY |
| 17 | 052100408 | 2ND FLOOR | AMHERST | NY |
| 18 | 052173464 | ACH/EDI SERVICES | AMHERST | NY |
| 19 | 052204346 | 2ND FLOOR | AMHERST | NY |
| 20 | 055000110 | 2ND FLOOR | AMHERST | NY |
| 21 | 055073532 | 626 COMMERCE DRIVE | AMHERST | NY |
| 22 | 056005363 | SECOND FLOOR | AMHERST | NY |
| 23 | 056009233 | SECOND FLOOR | AMHERST | NY |
| 24 | 221370108 | SECOND DRIVE | BUFFALO | NY |
| 25 | 221371165 | SECOND FLOOR | AMHERST | NY |
| 26 | 231375520 | 626 COMMERCE DR | AMHERST | NY |
| 27 | 251472636 | SECOND FLOOR | AMHERST | NY |
| 28 | 252070435 | 626 COMMERCE DRIVE | AMHERST | NY |
| 29 | 252070817 | 626 COMMERCE DRIVE | AMHERST | NY |
| 30 | 255072317 | 626 COMMERCE DRIVE | AMHERST | NY |
| 31 | 256073302 | SECOND FLOOR | AMHERST | NY |
ACH US Routing Number – M&T Bank
ACH US Routing Numbers
An ACH routing number is a 9-digit code that identifies financial institutions in the United States for the purpose of transmitting ACH transactions. ACH stands for “Automated Clearing House” and is an electronic network used for payments like direct deposits and online transfers.
The routing number helps route the ACH payment to the correct bank account. Think of it like a ZIP code for money – it gets the funds to the right destination. Routing numbers are also sometimes referred to as “ABA numbers” or “routing transit numbers”.
Purpose and Use of Routing Numbers
ACH routing numbers serve a few key purposes:
- Identifying the bank holding an account – The routing number reveals where an account is held. For example, the routing number identifies that an account belongs to Bank of America, Wells Fargo, etc.
- Facilitating ACH transfers – Transactions like payroll direct deposits, bill payments, account transfers, tax refunds, etc. all depend on accurate routing numbers to work properly.
- Uniquely identifying bank accounts – Along with the account number, the routing number distinguishes between different accounts at the same bank. This prevents payment mixups.
Where to Find the Routing Number
Routing numbers can be found in several places:
- Bottom of checks – The routing number is printed on the bottom left corner of checks, along with the account number.
- Bank website or mobile app – Most bank websites and apps have the routing number available when viewing account details.
- Bank branch – Ask for help from a teller at a local bank branch. They can provide the routing number.
- Account statements – Monthly statements often list the routing number.
- Contact bank’s customer service – Calling the bank’s helpline allows obtaining the routing number directly.
M&T Bank Routing Number
Overview of M&T Bank
M&T Bank is a large regional bank based in Buffalo, New York. It has over 700 branches spread across eight northeastern states and Washington D.C. The bank offers personal, business, and commercial banking services. M&T Bank has over $120 billion in assets and is one of the 15 largest banks in the US.
M&T Bank Routing Number for ACH Transfers
The routing number for ACH transfers at M&T Bank is 022000046.is an example (see table above for accurate ACH Routing Number)
M&T Bank ACH Routing Number: XXXXXXXXX (Insert the specific routing number)
This 9-digit routing number should be used for setting up direct deposits or authorizing electronic payments to/from M&T Bank accounts.
Checking M&T Bank’s Routing Number
To confirm the M&T Bank routing number, check the bottom of your checks or savings/checking account statements. You can also call customer service or visit an M&T Bank branch.
When providing the routing number for any ACH transfer, it’s prudent to double-check the accuracy. An incorrect routing number can mean delays, failed payments, and other hassles.
Using M&T Bank’s Routing Number
Setting up Direct Deposit
To establish direct deposit of your paycheck or benefits into an M&T Bank checking or savings account, provide your employer/benefits provider with:
- Account Number
- M&T Bank Routing Number: 052000113
This links your deposits to your M&T account.
Making ACH Transfers from M&T Bank
To send ACH payments from M&T Bank accounts, use the routing number 022000046 in the account details. This could be for online bill payments, account transfers, or other electronic money transfers originating from your M&T account.
Receiving ACH Transfers to M&T Bank
To receive transfers into an M&T Bank account, give the sender:
- Account Number
- M&T Bank Routing Number: 022000046
This identifies your account details so funds can be deposited correctly.
Important Notes on Routing Numbers
Verifying Routing Number Accuracy
It’s essential to always verify you have the right routing number for any ACH transfer. An incorrect routing number can mean failed payments or misdirected funds that are hard to recover. Avoid guesswork and check official sources to confirm the accuracy.
Routing Number vs Account Number
Routing numbers and account numbers are both required for successful ACH transactions. The routing identifies the bank; the account number specifies the individual account receiving/sending funds.
Changes to Routing Numbers
While they rarely happen, banks can change their routing numbers. If initiating a payment to a familiar account, be sure to double-check the routing number hasn’t been updated. This prevents any errors.
Frequently Asked Questions
FAQ 1: Does M&T Bank have the same routing number for all branches?
Yes, M&T Bank uses the same routing number – 022000046 – for all its branches and accounts across its footprint. The number won’t vary regardless of location.
FAQ 2: Where’s the quickest place to get my M&T Bank routing number?
The fastest sources are likely your latest account statement, bank checkbook, or M&T Bank’s website/mobile app. You can log into online/mobile banking and find it in your account details.
FAQ 3: Can I use M&T’s routing number for wire transfers too?
No, wire transfers require a different set of numbers – the wire transfer routing number and SWIFT code. You can’t use an ACH routing number for wires.
FAQ 4: What happens if I enter the wrong routing number for an ACH transfer?
The payment will likely fail or get rejected back. Misrouted payments can also mean lengthy delays recovering funds. Double checking the accuracy is important to avoid problems.
FAQ 5: Where can I find the routing number on a check?
M&T Bank prints the routing number on the bottom left corner of checks. Look for the nine digit number to the left of the account number – that’s the routing number