Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Dental Insurance
Dental insurance through Delta Dental with in-network and out-of-network coverage
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Vision Insurance
A Vision Care Plan through VSP, including an examination, lenses, and frames every 12 months
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Health Savings Account (HSA)
Employees enrolled in M&T's Consumer Driven Health Plan may enroll in an HSA, and M&T may make a contribution at the start of the plan year
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Flexible Spending Account (FSA)
Medical, limited-purpose, and dependent-care flexible spending accounts for qualified pre-tax expenses
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Life Insurance
Employee, spouse or domestic-partner, and dependent life insurance
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Disability Insurance
Long-term disability salary continuation when an employee cannot work for more than 26 weeks because of illness or injury
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Wellness Programs
Wellness programs providing 24/7 confidential support for employees and dependents, including counseling, financial resources, legal support, and work-life solutions
Current M&T policy PDF marked Version 08.2025. Its footnote states that the benefits described apply to employees based in the United States; it names up to 12 weeks of parental leave at 100% of base salary, an annual paid-time-off allowance, and wellness programs with confidential counseling, financial, legal, and work-life support.
PTO (Vacation / Personal Days)
Its annual paid-time-off allowance is structured to support work-life balance; the amount and eligibility terms vary by policy
Current M&T policy PDF marked Version 08.2025. Its footnote states that the benefits described apply to employees based in the United States; it names up to 12 weeks of parental leave at 100% of base salary, an annual paid-time-off allowance, and wellness programs with confidential counseling, financial, legal, and work-life support.
Paid Parental Leave
Up to 12 weeks of parental leave at 100% of base salary, or average commissions for commissioned employees, with job-reinstatement protection
Current M&T policy PDF marked Version 08.2025. Its footnote states that the benefits described apply to employees based in the United States; it names up to 12 weeks of parental leave at 100% of base salary, an annual paid-time-off allowance, and wellness programs with confidential counseling, financial, legal, and work-life support.
401k
M&T's Retirement Savings Plan includes a 401(k) and a discretionary employer contribution; employees become eligible for the plan match after six months of service, subject to plan terms.
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
401k Match
After six months of service, M&T matches 100% of employee contributions up to 5% of total eligible pay
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Employee Stock Purchase Program (ESPP)
An Employee Stock Purchase Plan funded through payroll contributions
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Employee Referrals
Employee referrals can receive monetary awards ranging from $500 to $5,000 depending on the position
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.
Employee Discount
Preferred rates and discounts on selected employee banking, mortgage, and consumer-loan products; product, market
Current official M&T employee banking-perks page. It describes employee checking and savings perks plus discounts on selected mortgage and consumer-loan products; product, market, and eligibility terms apply.
Volunteer Time Off
40 paid volunteer hours each year for an employee-selected nonprofit
Current official M&T careers page. It identifies recruitment throughout the Northeastern U.S., lists 40 paid volunteer hours, and lists more than 65 employee groups; it does not state a company-wide workplace mode.
Current 2025 annual report filed with the SEC. It reports 21,839 full-time and 439 part-time employees as of December 31, 2025, identifies the Buffalo headquarters and financial-services business, and describes current training, employee groups, paid volunteer time, and employee benefits. Its general benefits discussion notes that some programs vary by country and region; U.S.-specific benefit claims are anchored to the M&T policy PDF above.
Learning and Development
Technical, job-specific, professional-development, leadership, and other learning offerings, including more than 3,000 unique course offerings in 2025; availability varies by role and program
Current 2025 annual report filed with the SEC. It reports 21,839 full-time and 439 part-time employees as of December 31, 2025, identifies the Buffalo headquarters and financial-services business, and describes current training, employee groups, paid volunteer time, and employee benefits. Its general benefits discussion notes that some programs vary by country and region; U.S.-specific benefit claims are anchored to the M&T policy PDF above.
Employee Resource Groups
More than 65 employee groups that connect employees and support belonging; participation and availability vary
Current official M&T careers page. It identifies recruitment throughout the Northeastern U.S., lists 40 paid volunteer hours, and lists more than 65 employee groups; it does not state a company-wide workplace mode.
Current 2025 annual report filed with the SEC. It reports 21,839 full-time and 439 part-time employees as of December 31, 2025, identifies the Buffalo headquarters and financial-services business, and describes current training, employee groups, paid volunteer time, and employee benefits. Its general benefits discussion notes that some programs vary by country and region; U.S.-specific benefit claims are anchored to the M&T policy PDF above.
Commuter Benefits
An FSA for setting aside pre-tax funds for parking and transit expenses
Current official M&T benefits page for employees. It names the Consumer Driven Health Plan, HSA, medical and dependent-care FSAs, dental, vision, ESPP, the Retirement Savings Plan and 401(k), life insurance, long-term disability, and employee referral awards; eligibility and plan terms apply.