M&T Bank Routing Number

022000046
ACH & Wire

Routing Number 022000046 Details

Routing Number 022000046
Bank M&T Bank
State / Region New York
Type ACH & Wire

Is 022000046 Valid?

Yes — 022000046 is a valid ABA routing number assigned to M&T Bank for New York. It is used for both ACH and wire transfers.

What Does 022000046 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 022000046 breaks down:

DigitsValueMeaning
1–40220Federal Reserve routing symbol (New York district)
5–80004M&T Bank institution identifier
96Check digit (validates the number)

The first two digits (02) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of New York. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 022000046

This routing number works for both ACH and wire transfers at M&T Bank:

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your M&T Bank Routing Number

If you need to verify that 022000046 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to M&T Bank and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call M&T Bank to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your M&T Bank account in New York, 022000046 is likely the correct number.

Other M&T Bank Routing Numbers

Routing Number State / Region Type
031100209 Pennsylvania ACH
052000113 Maryland ACH
021302648 New Jersey ACH

Frequently Asked Questions

Yes, 022000046 is the ACH & Wire routing number for M&T Bank in New York.

Routing number 022000046 belongs to M&T Bank. It is used for New York.

This routing number can be used for both ACH transfers (direct deposit, bill pay) and domestic wire transfers.

Yes, you can use 022000046 to set up direct deposit for your M&T Bank account in New York. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 022000046 identifies the bank and branch (M&T Bank, New York), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

More M&T Bank Resources

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