M&T Bank's standard closing time is 5 p.m. on weekdays, but branches close earlier on Saturdays and may be closed on Sundays

Most M&T Bank branches close at 5 p.m. Monday through Friday. On Saturday, branches typically close at 1 p.m. or 2 p.m., depending on the location. Many M&T branches do not open on Sunday, though some locations in high-traffic areas may have limited Sunday hours. The exact closing time for your specific branch may differ, so checking before you go is the fastest way to confirm.

M&T operates branches across New York, Pennsylvania, New Jersey, Delaware, Maryland, Virginia, West Virginia, and Washington, D.C. Hours vary by location and by day. A branch in a downtown office building may have different hours than one in a suburban shopping center. Holiday schedules also shift closing times — branches typically close early or stay closed on federal holidays like Thanksgiving, Christmas, and New Year's Day.

Key Takeaways

  • Weekday closing time at most M&T branches is 5 p.m., but Saturday hours are typically 1 p.m. to 2 p.m., and many branches are closed Sunday.
  • The fastest way to confirm your branch's hours is to search for your specific location on M&T's website or call the branch directly.
  • You can deposit checks, transfer money, and pay bills through M&T's mobile app and online banking 24 hours a day, seven days a week.
  • ATMs at M&T branches and partner locations work around the clock, even when the branch itself is closed.
  • If you need to speak to someone after hours, M&T's customer service phone line is available during extended hours on weekdays.

How to find your branch's exact closing time

Go to M&T's branch locator on their website and enter your zip code or city. The search results show each branch's address, phone number, and hours for every day of the week. This is the most reliable way to see whether your branch closes at 5 p.m. or has different hours. If you see a branch listed with hours you're unsure about, call that location directly — the phone number appears in the search results.

You can also call M&T's main customer service line at 1-800-724-2440 and ask about a specific branch's hours. A representative can tell you today's closing time and whether the branch will be open tomorrow. If you're planning to visit on a holiday or a day you're unsure about, this is a good way to confirm before making the trip.

Banking outside branch hours: ATMs and digital options

M&T ATMs work 24 hours a day. You can withdraw cash, deposit checks, transfer money between accounts, and check your balance at any M&T ATM, even after the branch closes. If you need to deposit a check after 5 p.m., an ATM is your fastest option. Many M&T ATMs are located right outside the branch building, so you can access them even when the branch is closed.

M&T's mobile app and online banking platform are also available around the clock. You can pay bills, transfer money between your own accounts, send money to other people, and deposit checks by taking a photo of the front and back. These digital tools work on weekends and after hours, so you don't have to wait until the branch reopens to handle most banking tasks.

What you can and cannot do after the branch closes

After M&T's branch closes, you can use ATMs, the mobile app, and online banking to deposit checks, withdraw cash, transfer money, and pay bills. You cannot speak to a teller or a loan officer, open a new account, order a cashier's check, or resolve disputes about transactions. If you need to do something that requires a person, you'll have to wait until the branch reopens or call customer service during their extended phone hours.

M&T's customer service phone line is available Monday through Friday from 7 a.m. to 10 p.m. Eastern time, and Saturday from 8 a.m. to 5 p.m. Eastern time. If you have a question about a charge, need to report fraud, or want to discuss a loan, calling during these hours connects you to someone who can help. On Sunday, phone support is limited or unavailable at most branches, so plan ahead if you need to reach someone that day.

Holiday hours and when branches close early

M&T closes all branches on federal holidays including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. On the day before or after a holiday, some branches may close early or have reduced hours. Check M&T's website or call your branch a few days before a holiday if you need to visit.

Some M&T branches also close early on the day before Thanksgiving and Christmas Eve. If you're planning to bank on or around a holiday, confirm the hours in advance. The branch locator on M&T's website usually shows holiday hours once they're set, typically a few weeks before the holiday arrives.

Using partner ATMs when M&T branches are closed

M&T is part of the Allpoint ATM network, which means you can use thousands of ATMs outside of M&T locations without paying a fee. Allpoint ATMs are in grocery stores, pharmacies, convenience stores, and other retail locations. If you need cash after your M&T branch closes and there's no M&T ATM nearby, search for an Allpoint ATM using the Allpoint locator on their website or through the M&T mobile app.

Using a partner ATM works the same way as using an M&T ATM — you insert your card, enter your PIN, and withdraw cash or deposit a check. The transaction posts to your account the same day or the next business day, depending on the time you make the deposit. If you use an ATM that is not M&T or Allpoint, M&T may charge you a fee, so stick with M&T or Allpoint locations to avoid extra charges.

Frequently Asked Questions

Can I deposit a check at an M&T ATM after the branch closes?

Yes. M&T ATMs accept check deposits 24 hours a day. Insert your card, select deposit, and follow the prompts to take a photo of the front and back of the check. The deposit posts to your account the same day if you deposit before the cutoff time (usually 9 p.m. Eastern), or the next business day if you deposit after that.

What if I need to speak to someone after 5 p.m.?

Call M&T's customer service line at 1-800-724-2440. They're available Monday through Friday until 10 p.m. Eastern and Saturday until 5 p.m. Eastern. On Sunday, phone support is limited. For urgent issues like fraud, call the number on the back of your debit card — that line operates 24 hours.

Are M&T branches open on Sunday?

Most M&T branches are closed on Sunday. A few locations in major cities may have limited Sunday hours, but this is rare. Check your specific branch's hours on M&T's website to confirm. If you need to bank on Sunday, use an ATM, the mobile app, or online banking instead.

Do M&T closing times change during daylight saving time?

No. M&T's branch hours stay the same year-round — they don't shift when daylight saving time begins or ends. However, if you're calling customer service from a different time zone, remember that M&T's hours are listed in Eastern time.

What happens if I try to use a teller service after the branch closes?

You cannot access teller services after the branch closes. The doors will be locked and no staff will be available. If you need a teller for something like ordering a cashier's check or opening a new account, you'll have to return during business hours or call customer service to see if they can help over the phone.