Bounty
Worth it?

M&T Bank Business Checking bonus: is $1,500 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$198: more than leaving it at 4.15%

With $5,000 for 180 days, the tier that adds the most.

With the bonus12.17%
Leave it where it is4.15%

Yearly rate on $5,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $5,000Best for you
    $300 bonus · 180 days
    +$198
  • $15,000
    $500 bonus · 180 days
    +$193
  • $30,000
    $750 bonus · 180 days
    +$136
  • $100,000
    $1,500 bonus · 180 days
    −$547

The math

Compared with leaving $5k at 4.15%

Bonus
+$300
Interest while it's there
No interest assumed
$0
What it'd earn at home
$5,000 at 4.15% for 6 mo
−$102
Extra
+$198
Works out to 12.2% a year on that cash, vs 4.15% at home.

Average $5,000 from day 1 to day ?. Terms checked Oct 9, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Average $5,000 from day 1 to day ?
Ends
Nov 30, 2026
Where
10 states: MA, CT, DE, DC, MD, NJ, NY, PA, VA, WV
Monthly fee
None
Closing early
$50 within 180 days
Cash stays
About 180 days
Bonus paid
Usually within 30 days of finishing
Credit check
A ChexSystems inquiry (not your credit score)
Terms checked Oct 9, 2026The bank's offer pageTermsFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the M&T Bank Business Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $5,000 tier adds +$198: the $300 bonus, minus the $102 that cash would have earned in 180 days. The $15,000 tier adds +$193. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Average $5,000 from day 1 to day ?. Open to residents of MA, CT, DE, DC, MD, NJ, NY, PA, VA, WV.

When does it end?

The offer ends Nov 30, 2026. The terms were last checked Oct 9, 2026.