What is routing number 022000046 used for?

022000046 is a routing number of Manufacturers and Traders Trust Company. It is used for: All M&T Bank accounts — ACH, direct deposit & wires.

Can I use 022000046 for wire transfers to M&T Bank?

Yes, 022000046 can be used for domestic wire transfers to M&T Bank. For international wires you may also need the bank's SWIFT code.

How do I verify my M&T Bank routing number?

Check your banking app (account details), the bottom-left of your checks, or M&T Bank's official website. Routing numbers depend on where your account was opened, so always verify before sending money.

M&T Bank Routing Number 022000046

All M&T Bank accounts — ACH, direct deposit & wires

ABA Routing Number

022000046

Wire Transfers Direct Deposits ACH Payments

Bank Details

Institution: Manufacturers and Traders Trust Company
Headquarters: Buffalo, NY
Used for accounts opened in: New York
SWIFT Code (international wires): —
Customer Service: 800-724-2440
Official Website: mtb.com

How to Use This Routing Number

The routing number 022000046 identifies Manufacturers and Traders Trust Company for electronic transactions. Typical uses:

Direct Deposit

Set up payroll deposits with your employer

Wire Transfers

Receive domestic wire transfers

ACH Bill Pay

Pay bills online via automated clearing house

Link Accounts

Connect external accounts and payment apps

⚠️ Always verify before sending money

Routing numbers depend on where your account was opened and on the transaction type (ACH vs. wire). Before moving money, confirm the number in one of these places:

Your M&T Bank mobile app or online banking (account details)
The bottom-left corner of your checks
The official website: M&T Bank routing number page
Customer service: 800-724-2440

Wire Transfer vs ACH

Wire Transfer

Speed: Same day

Cost: Usually $15–$35

Best for: Large amounts, urgent

ACH Transfer

Speed: 1–3 business days

Cost: Free or low cost

Best for: Payroll, bills, routine