USBankCodes

M&T Bank Routing Number

Buffalo, NY

ABA Routing Number
022000046
Wire Transfers Direct Deposits ACH Payments

Bank Details

Bank Name
M&T Bank
SWIFT Code
M&TUS58
Address
1353 Financial District Blvd, Buffalo, NY 14203
Phone
800-724-2440

How to Use This Routing Number

The routing number 022000046 identifies M&T Bank for electronic transactions. You will need this number to:

Direct Deposit

Set up automatic payroll deposits with your employer

Wire Transfers

Receive domestic wire transfers from other banks

ACH Bill Pay

Pay bills online via automated clearing house

Link Accounts

Connect external accounts to your M&T Bank account

Wire Transfer vs ACH

Wire Transfer

Routing #: 022000046
SWIFT Code: M&TUS58
Speed: Same Day ⚡
Best for: Large amounts, urgent

ACH Transfer

Routing #: 022000046
Speed: 1-3 business days
Cost: Free or low cost
Best for: Payroll, bills, routine
💡

Tip: For international transfers to M&T Bank, you'll need both the routing number 022000046 and SWIFT code M&TUS58.