M&T Bank · US Regional Bank

M&T Bank
statement guide

M&T Bank statementguide

Learn how to download your M&T Bank statement and categorize every transaction.

How to downloadAI categorizationCSV & Excel exportSpending insights

Get started — it's free

✓ 3 pages free · ✓ No signup · ✓ Results in 30 seconds

How it works

Two simple steps to analyze your statement

Step 1

Download your statement

Get your M&T Bank PDF from mtb.com or the M&T Mobile Banking app. We show you how below.

Step 2

Get AI spending breakdown

Upload the PDF — AI categorizes every debit card, ACH, Zelle, and direct deposit transaction automatically.

1.Download your statement

Get your M&T Bank PDF from mtb.com or the M&T Mobile Banking app. We show you how below.

2.Get AI spending breakdown

Upload the PDF — AI categorizes every debit card, ACH, Zelle, and direct deposit transaction automatically.

Step 1

Download your M&T Bank statement

Online Banking

mtb.com

Go to Accounts

Select your checking, savings, or money market account.

Statements → Choose date

Navigate to Statements and pick your statement period.

Download PDF

Download the statement. No password needed.

M&T Mobile Banking

iOS & Android

Open M&T Mobile Banking

Tap your account

Select checking, savings, or money market.

Statements & Documents → Select month

Navigate to Statements & Documents and pick your period.

Download PDF

Save the PDF to your device — no password required.

Regional bank note: M&T Bank (Manufacturers and Traders Trust Company) is headquartered in Buffalo, NY and operates across the Northeast and Mid-Atlantic. Branches available in NY, PA, MD, NJ, CT, DE, VA, WV, and D.C. Customer service: 1-800-724-2440.

Step 2

Now analyze your M&T Bank statement

Upload your PDF and AI will read every transaction — debit card, ACH, Zelle, direct deposit, and fees — and show you exactly where your money goes.

Detected Subscriptions

$46.98/mo recurring

Netflix

MonthlyMar 15, 2026

$15.99

Spotify Premium

MonthlyMar 22, 2026

$10.99

ChatGPT Plus

MonthlyApr 1, 2026

$20.00

Spending Breakdown

February 2026

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Other

$1,511

24.1% of total spending

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Total Analyzed

$6,284

AI Insights

Your grocery spending is 12% higher than last month. Consider meal planning to stay on budget.

You saved 25.6% of your income — above the recommended 20%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

See your M&T Bank spending clearly

Upload your statement — full AI analysis in 30 seconds. Free for 3 pages.

Analyze My M&T Statement →

✓ 3 pages free · ✓ No signup · ✓ 30 seconds

Pricing

Simple, transparent pricing

Free

Try it out

3 PDF pages / month
AI transaction categorization
Sankey money-flow chart
AI insights & savings tips
Financial health score
Spending calendar
CSV export

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Everything about M&T Bank statements

PDF password

No password

PDFs open directly — no unlock needed

Statement history

Up to 7 years online

Via mtb.com or M&T Mobile Banking

Mobile app

M&T Mobile Banking

Available on iOS & Android

About M&T Bank

M&T Bank (Manufacturers and Traders Trust Company) is a major US regional bank headquartered in Buffalo, New York. Founded in 1856, M&T operates over 1,000 branches across the Northeast and Mid-Atlantic — including New York, Pennsylvania, Maryland, New Jersey, Connecticut, Delaware, Virginia, West Virginia, and Washington D.C. M&T is known for its strong community banking focus and commercial lending.

M&T Bank account types with statements

M&T Bank provides monthly statements for: checking accounts (EZChoice, M&T Plus, Premium), savings accounts, money market accounts, and CDs. All statements are accessible at mtb.com → Accounts → Statements, or via the M&T Mobile Banking app.

M&T Bank recent acquisitions

M&T Bank acquired People's United Financial in 2022, significantly expanding its footprint across New England. If you were a People's United customer, your accounts and statements have been migrated to mtb.com and the M&T Mobile Banking app.

M&T Bank statement analysis

M&T Bank statements show debit card transactions, ACH transfers, Zelle payments, direct deposits, wire transfers, and fees. Our AI assigns each transaction to one of 19 categories and shows a Sankey money flow chart. Export to Excel or CSV in one click.

M&T Bank statement for mortgage or rental

Download 2–3 months of PDF statements from mtb.com. The M&T Bank statement header shows your name, partial account number, and M&T Bank branding — widely accepted by lenders and landlords. You can also visit any M&T branch for a certified statement. M&T provides up to 7 years of statement history online.

M&T Bank statement FAQ

How do I download my M&T Bank statement?+−

Log in at mtb.com → Accounts → Statements → select your account → choose the date range → Download PDF. In the M&T Mobile Banking app: tap your account → Statements & Documents → select month → Download PDF.

Is M&T Bank statement PDF password protected?+−

No. M&T Bank statement PDFs open directly — no password is required.

How far back can I get M&T Bank statements?+−

M&T Bank provides up to 7 years of e-statement history online via mtb.com. For statements older than 7 years, visit an M&T branch or call customer service at 1-800-724-2440.

Where are M&T Bank branches located?+−

M&T Bank (Manufacturers and Traders Trust Company) is headquartered in Buffalo, NY and operates branches across the Northeast and Mid-Atlantic states including New York, Pennsylvania, Maryland, New Jersey, Connecticut, Delaware, Virginia, West Virginia, and Washington D.C.

How do I export M&T Bank transactions to CSV or Excel?+−

In M&T online banking at mtb.com, go to your account → Transaction History → look for the Download or Export option → select date range → choose CSV or OFX format. CSV opens directly in Excel. OFX is compatible with Quicken and QuickBooks.

What account types have statements at M&T Bank?+−

M&T Bank provides monthly statements for checking accounts, savings accounts, money market accounts, and CDs. All statements are accessible at mtb.com → Accounts → Statements, or via the M&T Mobile Banking app.

Can I analyze my M&T Bank statement with AI?+−

Yes. Download the PDF from mtb.com, upload to mybankstatementanalysis — AI categorizes debit card transactions, ACH transfers, Zelle payments, direct deposits, and fees. Works with M&T checking, savings, and money market statements.

See your M&T Bank
spending clearly — free.

Upload your PDF — AI maps every debit card, ACH, and Zelle transaction by category.

Analyze My Statement Free →