M&T Bank Routing Number

031100209
ACH

Routing Number 031100209 Details

Routing Number 031100209
Bank M&T Bank
State / Region Pennsylvania
Type ACH

Is 031100209 Valid?

Yes — 031100209 is a valid ABA routing number assigned to M&T Bank for Pennsylvania. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 031100209 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 031100209 breaks down:

DigitsValueMeaning
1–40311Federal Reserve routing symbol (Philadelphia district)
5–80020M&T Bank institution identifier
99Check digit (validates the number)

The first two digits (03) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Philadelphia. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 031100209

This is an ACH-only routing number. M&T Bank uses a separate routing number for wire transfers.

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 031100209 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 Pennsylvania, 031100209 is likely the correct number.

Other M&T Bank Routing Numbers

Routing Number State / Region Type
022000046 New York ACH & Wire
052000113 Maryland ACH
021302648 New Jersey ACH

Frequently Asked Questions

Yes, 031100209 is the ACH routing number for M&T Bank in Pennsylvania.

Routing number 031100209 belongs to M&T Bank. It is used for Pennsylvania.

This routing number is used for ACH transfers including direct deposit, bill payments, and electronic transfers. For wire transfers, M&T Bank may use a different routing number.

Yes, you can use 031100209 to set up direct deposit for your M&T Bank account in Pennsylvania. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 031100209 identifies the bank and branch (M&T Bank, Pennsylvania), 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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