{"account":{"slug":"mt-ezchoice-checking","bank":"M&T Bank","name":"Personal Checking"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.mtb.com/personal/checking-accounts","history":[{"date":"2026-06-11","apy":"None on EZChoice/Plus; token interest on MyChoice Premium","monthlyFee":"$0 (EZChoice)","minimumOpen":"$25","atm":"Free at ~1,500 M&T ATMs; $3 elsewhere (refunded on MyChoice Premium)","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"None on EZChoice/MyWay; optional interest-bearing MyChoice Plus; special relationship deposit rates on MyChoice Premium","monthlyFee":"$0 EZChoice; $4.95 MyWay (waived with one transaction per cycle); $14.95 MyChoice Plus; $24.95 MyChoice Premium","minimumOpen":"$25","atm":"About 2,000 M&T ATMs; MyChoice Plus waives M&T's non-M&T ATM fee and reimburses up to $2 per transaction of operator surcharges","note":"Reconfirmed EZChoice, MyChoice Plus and MyChoice Premium fees and waivers; added MyWay Banking; updated ATM and branch counts; no public checking bonus shown","sourceUrl":"https://www.mtb.com/personal/checking-accounts","sourceLabel":"M&T Bank checking account comparison and EZChoice product page"}],"verificationEvents":[{"id":"94159235-43cc-4f6b-8f41-2efc3690a597","entityType":"bank-account","slug":"mt-ezchoice-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:18.460Z","sourceUrl":"https://www.mtb.com/personal/checking-accounts","sourceLabel":"M&T Bank checking account comparison and EZChoice product page","outcome":"changed","summary":"EZChoice $0 and $25 opening deposit confirmed; added the $4.95 MyWay Banking tier, corrected Premium waiver wording, MyChoice Plus ATM relief, and ATM/branch counts; removed unsupported bonus claims","changedFields":["plans","features","atm","pros","cons","ourTake"],"facts":{"ezchoiceFee":0,"minimumOpen":25,"mywayFee":4.95,"mychoicePlusFee":14.95,"mychoicePremiumFee":24.95,"atms":2000,"branches":900},"previousHash":"67834c5416f4213ade4881822a86dc25a66ed8fd9b64885e76c7518b20f53050","recordHash":"578110c16d70a7ae78ae471337587163cab08da22da9f849c0bc7b836895d954"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}