M & T Bank Address
626 Commerce
Amherst, NY 14228
M & T Bank Phone Number

M & T Bank of New York - Routing Number

31304720 The routing number for M & T Bank in New York is used on M & T Bank checks and for direct deposits and wire transfers.

M & T Bank is a banking institution located in Amherst, NY. The routing number for M & T Bank is 31304720.

How to use the M & T Bank Routing Number

Routing number on sample check

M & T Bank's routing number is the eight or nine-digit number found on the bottom left hand side of M & T Bank checks, next to your checking account number and check number.

In the sample check on the left, the routing number is circled in red. Your checks may have a slightly different layout.

Your routing number is used like a bank's address, to ensure that financial transactions (like checks and direct deposits) get sent to the correct banking institution. You will need to know the M & T Bank Routing Number when setting up direct deposit with your employer, receiving direct-deposit benefits or tax refunds from the U.S. Government, or requesting a direct bank wire payment to your bank account.

Unlike your M & T Bank Bank Account Number, the M & T Bank Routing Number is the same for all M & T Bank accounts. If you have both your checking and savings accounts with M & T Bank, for example, they will both use the same routing number, 31304720.