Manufacturers and Traders Trust Company

Headquarters: Buffalo, New York
Charter: Bank
Assets: $218.8B
Fed district: New York

7 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $14.95, the middle of its prices
Manufacturers and Traders Trust Company: $4.95 to $24.95
Manufacturers and Traders Trust Company: $4.95 to $24.95
U.S. median: no median
Overdraft (OD)
Manufacturers and Traders Trust Company: $15
Manufacturers and Traders Trust Company: $15
U.S. median: no median
Non-Network ATM
Manufacturers and Traders Trust Company: $3
Manufacturers and Traders Trust Company: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Manufacturers and Traders Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Charge$4.95
per month
Monthly Maintenance Charge$14.95
per month
Monthly Maintenance Charge$24.95
per month

Overdraft & NSF

Overdraft Fee$15
per item
Overdraft Protection$8
Not compared: Daily charge, not per item
per day

ATM & Card

Retiro de efectivo en cajero automático que no es de M&T Bank (EE. UU.)$3
per transaction

Wire Transfers

Transferencia bancaria nacional saliente a una cuenta que no sea de M&T$32
per transaction

Check Services

Official Check Fee$10
per item
Stop Payment Fee$35
per item

Cash & Deposit

Cash Advance$3.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Charge	$4.95	per month	None
Monthly Maintenance Charge	$14.95	per month	None
Monthly Maintenance Charge	$24.95	per month	None
Overdraft & NSF
Overdraft Fee	$15	per item	None
Overdraft Protection	$8Not compared: Daily charge, not per item	per day	None
ATM & Card
Retiro de efectivo en cajero automático que no es de M&T Bank (EE. UU.)	$3	per transaction	None
Wire Transfers
Transferencia bancaria nacional saliente a una cuenta que no sea de M&T	$32	per transaction	None
Check Services
Official Check Fee	$10	per item	None
Stop Payment Fee	$35	per item	None
Cash & Deposit
Cash Advance	$3.50	per item	None

Correct a fee source

Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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