M&T Bank Routing Number

How to Use This Routing Number

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

• Set up direct deposit with your employer
• Receive wire transfers from other banks
• Pay bills online via ACH transfer
• Link external accounts to your M&T Bank account

Wire Transfer vs ACH

For domestic wire transfers, use routing number 022000046. For international transfers, you will also need the SWIFT code M&TUS58.

ACH transfers (for payroll, bills, etc.) typically use the same routing number but may take 1-3 business days to process, while wire transfers are same-day.