Getting paid by clients? Holdings sends invoices, quotes, and payment links — free. See free invoicing →

M & T Bank

Q: What is the routing number for M & T Bank?

The routing number for M & T Bank in Amherst, New York is 021302978. This ABA routing number can be used for ACH transfers, direct deposits, and wire transfers. Always verify with your bank before initiating a transfer.

Amherst, New York

Routing Number

021302978

Bank Details

Institution Name: M & T Bank
Routing Number (ABA/RTN): 021302978
Status: Active — Receives ACH Transfers

Address

SECOND FLOOR

Amherst, NY 14228

📞 (800) 724-2240

Use This For

✓ ACH Direct Deposit
✓ ACH Payments & Bill Pay
✓ Tax Refund Direct Deposit
⚠ Wire Transfers (verify with bank)

Send invoices free — get paid by card or bank

No monthly fee. Just 3% + $0.30 per payment collected. Invoices, quotes, payment links, QR codes — all included.

See free invoicing →

Get it done now — free tools from a real finance platform

Built by Holdings — the banking + accounting platform that keeps businesses and nonprofits audit-ready. Free, no account needed. Connect banking and let your books run themselves when you’re ready.

Invoice Generator

Send a professional invoice in 2 minutes — free PDF, no signup.

Quote Generator

Build a quote that wins the job. Free PDF, no watermarks.

Expense Tracker

Track business expenses and categorize for tax time.

1099-NEC Generator

Generate a clean 1099 in seconds — data stays in your browser.

See all free tools →

Ready to stop doing it by hand? Explore Invoicing software for small business, Small business accounting software, or Small business bookkeeping software.

Where to Find This Routing Number

Routing number 021302978 appears at the bottom-left of checks issued by M & T Bank.

Check No. 1001

021302978

← Routing Number

0001234567

Account Number

1001

Check #

Frequently Asked Questions

What is the routing number for M & T Bank?

The routing number for M & T Bank in Amherst, New York is 021302978. This ABA routing number can be used for ACH transfers, direct deposits, and wire transfers. Always verify with your bank before initiating a transfer.

Is routing number 021302978 valid?

Yes, routing number 021302978 is an active, valid ABA routing number for M & T Bank located in Amherst, New York. This information is sourced from the Federal Reserve's E-Payments Routing Directory.

Can I use 021302978 for wire transfers?

Routing number 021302978 is registered for M & T Bank in the Federal Reserve's ACH directory. While many banks use the same routing number for both ACH and wire transfers, some large banks have separate wire routing numbers. Contact M & T Bank directly to confirm.

Where is M & T Bank located?

M & T Bank (routing number 021302978) is located at SECOND FLOOR, Amherst, NY 14228. You can reach them at (800) 724-2240.

What is routing number 021302978 used for?

Routing number 021302978 identifies M & T Bank for electronic transactions including: ACH direct deposits (payroll, tax refunds, government benefits), ACH payments (bill pay, recurring transfers), wire transfers (domestic bank-to-bank), and check processing.

Get paid by clients

Send invoices free — get paid by card or bank

No monthly fee. Just 3% + $0.30 per payment collected. Invoices, quotes, payment links, QR codes — all included.

See free invoicing →Try the free invoice generator

You found your routing number. Now find your books.

Holdings connects to M & T Bank (or any bank) and auto-categorizes every transaction into real books — plus invoicing and donation tracking, all in one dashboard. No spreadsheets. No QuickBooks subscription tax. From $19/mo.

Start free

Related Routing Numbers

Setting up a payment? Get the books done too.

If you're looking up M & T Bank's routing number, you're moving money — invoicing a client or paying a vendor. With Holdings, the bank is the books: get paid and it's already recorded, no separate accounting tool, no month-end reconciliation.

Your bank