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.