{"slug":"m-and-t-bank-checking-referral-bonus","category":"bank","institutionSlug":"m-and-t-bank","product":"Checking","title":"M&T Bank Checking: $50 bonus","bonus":"$50","unit":"cash","amount":50,"reqShort":"$500 in direct deposits within 90 days of opening","expiresOn":null,"status":"live","verifiedOn":"2026-07-21","reports":0,"openIssues":0,"states":null,"referralGated":true,"hardPull":false,"chex":"Pending verification","fee":"No fee","keep":"","posts":"","applyDomain":"mtb.com","applyUrl":"https://www.mtb.com/referfriends","summary":"M&T Bank's refer-a-friend program pays the new customer a $50 Visa reward card for opening a personal checking account and making at least $500 in qualifying direct deposits within 90 days. The referring existing customer also earns $50 per successful referral, up to $500 a year.","reqSteps":["Register for the referral offer using the referrer's shared link.","Open a new eligible M&T personal checking account.","Complete qualifying direct deposits totaling at least $500 within 90 days of account opening.","Receive a $50 Visa reward card 4-6 weeks after meeting requirements."],"finePrint":["Person-to-person, bank transfers, or other electronic money transfers do not count as qualifying direct deposits.","Referred person must not have been a primary owner of an M&T personal or business checking account in the previous six months.","Reward cards are mailed 4-6 weeks after all requirements are met.","Offer not available to M&T employees or California residents.","Visa reward cards expire three months after issuance and are issued by MetaBank.","A maximum of one reward card is given to the referred person regardless of number of accounts opened.","Referrer can earn up to $500 total per calendar year, non-rollover."],"listedOn":"2026-07-21","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"mtb.com offer page","url":"https://www.mtb.com/referfriends","checkedOn":"2026-07-21"}],"needsVerification":false}