M&T Bank was founded in Buffalo, New York about 160 years ago, and continues to serve customers along the East Coast. M&T offers standard banking products and services, including wire transfers for sending or receiving funds. Continue reading our guide to learn more about M&T Bank’s routing number.

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M&T Routing Number

Depending on the state, there are different routing numbers:

M&T Bank Routing Number
State	Routing Number
New York, New Jersey, Connecticut	022000046
Pennsylvania, Delaware	031302955
D.C., Maryland, Virginia, West Virginia	052000113

What Is a Routing Number?

The American Bankers Association developed routing numbers back in 1910 as a way to identify check processing endpoints. It’s use has expanded to different financial transactions and as well as pin points a check’s origin.

Routing numbers are made up of nine digits to identify specific banks during wire transfers. These routing numbers are important to ensure the accuracy of wire transfers.

Can Banks Have Multiple Routing Numbers?

To keep it short, yes they can. M&T Bank’s different routing numbers cover multiple states. Other banks might use one routing number corresponding to one state, or might use a single routing number to cover all of its branches. Larger banks use multiple different routing numbers.

How Do You Find a Routing Number on a Check?

Routing numbers can be found on the bottom left corner of checks. Your personal check will also include your account number and check number. To differentiate the two, just remember that your routing number will always be nine digits long.

What Is the Routing Number for International Transfers?

For international transfers, routing numbers are known as SWIFT codes. The SWIFT Code for M&T Bank specifically is MANTUS33.

Keep in mind that wire transfers carry a fee and that M&T charges $32 for issuing a domestic transfer/$75 for an overseas transfer.

Bottom Line

If you currently bank with M&T, it is important to get a good understanding on their routing numbers, direct deposits, and wire transfers.

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