M&T Bank Routing Number – United States (How to Guide)

To execute these transactions more quickly and efficiently, banks and credit unions may employ separate routing numbers. You’ll almost certainly need to know your routing number to do so. Fortunately, locating your routing number is simple.

M&T Bank routing number is needed so that you can start processing your wire transfer transactions. We understand that the MT Bank is presenting three default routing numbers. And that should work for most cases. This nine-digit routing number can be used by people looking for the MT Bank routing number. It’s better if you write this down on a piece of paper or in the notepad of your smartphone. This article will guide you on where to find your routing number and how to use it. For similar banks in your area, Routing Numbers List has all the information that you need!

mt bank routing number

If the three default MT Bank routing numbers do not work for you, then you better check out these other routing numbers instead. So get your notes ready, and we shall start.

What is the Routing Number for MT Bank?

Your MT Bank routing number is an important detail when you use your account for some transactions. This is like a partner to your personal account. This number may be known in public, but it does not make it less necessary.

Routing numbers are necessary for Direct Deposit transactions, Wire Transfer, and E-Transfers. You also need it in processing your tax records and making payments through the phone.

Like any banks including Chase Routing Number, Wells Fargo Routing Number, and Citibank Routing Number, account holders need to have routing number to complete their transactions, wired or direct.

Additional Information on your MT Bank Routing Number

If you set an automatic payment, agencies involved will ask for your MT Bank routing number. If you want to transfer money internationally, you will need to provide a routing number. This is a necessity because banks need to know where you want to transfer your funds. This way, the money will not get lost through all the processes involved.

Still, you must understand that the routing number is not always the same as the one you use on wire transfers. Note the word “not always” because soon you will find out that not all bank routing numbers are used for all-around purposes like KeyBank Routing Number, Bank of America Routing Number, and PNC Routing Number.

MMT Bank Routing Number (default):

Routing # Location
022000046New York, New Jersey, and Connecticut
031302955 Pennsylvania and Delaware
052000113 Maryland, Virginia, West Virginia and Washington, DC
savings bank

Know Your Routing Number

To better understand your MT Bank routing number, we have some simple tricks on how you can read the numbers and what it represents. You see, those digits on your MT routing number is not given randomly. It actually says something about your bank and its location!

For starters, routing numbers have three parts. Yes, you read that right. The MT Bank routing number has its code designation to tell the involved financial entities about the bank’s location and more.

First Digits

The first four digits of the MT Bank routing number tells of the branch location where the account, or in this case your account, was opened. Bank institutions are designated into 12 States. So expect to find the first two digits to point to a specific State where a Federal Reserve Bank branch is located.

Digits for the 12 States

There is going to be a different number or digit for every one of the 12 states. Below is a list that could guide you in understanding your routing number.

  • “01” Boston. Connecticut (excluding Fairfield County), Massachusetts, Maine, New Hampshire, Rhode Island, and Vermont
  • “02” New York. New York State, twelve counties in northern New Jersey, Puerto Rico, Virgin Islands, and Fairfield County in Connecticut.
  • “03” District of Philadelphia. Eastern Pennsylvania, southern New Jersey, and all of Delaware
  • “04” District of Cleveland. Ohio, western Pennsylvania, eastern Kentucky, and the northern panhandle of West Virginia.
  • “05” Richmond. Maryland, Virginia, North Carolina, South Carolina, and most of West Virginia.
  • “06” Atlanta. Alabama, Florida, Georgia, and parts of Louisiana, Mississippi, and Tennessee
  • “07” Chicago. Iowa and most of Illinois, Indiana, Michigan, and Wisconsin
  • “08” St. Louis. Arkansas and portions of six other states: Missouri, Mississippi, Tennessee, Kentucky, Indiana, and Illinois.
  • “09” Minneapolis. Minnesota, Montana, North Dakota, South Dakota, twenty-six counties in northwestern Wisconsin, and the Upper Peninsula of Michigan
  • “10” Kansas City. Colorado, Kansas, Nebraska, Oklahoma, Wyoming, northern New Mexico, and Western Missouri
  • “11” Dallas District. Texas, Northern Louisiana, and southern New Mexico
  • “12” San Francisco District. Nine western states–Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, and Washington–and American Samoa, Guam, and the Northern Mariana Islands

Other codes for 12 States

There could be other meanings to the first two digits. Listed below are the other meanings of the said two digits.

  • 00” – United States Government uses the routing number.
  • 01” to “12” – 12 Federal Reserve Bank Districts. These are the 12 Districts where Federal Reserve Branches are located.
  • 21” to “32” – codes for thrift institutions, including credit unions and savings banks. It just adds 20 to the regular 12 Districts of Federal Reserve Bank. Just like the example for the MACU routing number.
  • 61” to “72” – for Electronic Transactions Identifiers. These routing numbers are for non-bank purposes and clearinghouses. It adds 60 to the designated code of Federal Reserve Bank District.
  • 80” – the routing number is used for the traveler’s check.
bank deposit

MT Bank Routing Number Maryland

For those of you looking for the MT Bank routing number Maryland, you can use this nine-digit routing number. It would be best that you take note of this using a piece of paper or your smartphone’s notepad. This way, you will have easier access when you need to remember it. MT Bank Routing Number MD would be 052000113.

Just in case you are planning to make an international wire transfer, you should also take note of the SWIFT Code for MT Bank. The SWIFT Code means Society for Worldwide Interbank Financial Telecommunication. MT Bank SWIFT Code is MANTUS3ABUF.

If you want to know the routing numbers for other banks such as US Bank Routing Number, Regions Routing Number, Union Bank Routing Number, and Schwab Routing Number, continue browsing all other articles on this website.

MT Bank Routing Number New York

Now, this part is for the MT Bank account holders from New York. The same practice that I will tell you right here. You will need to take note of this MT Bank routing number for quick reference when you need it.

This routing number is also applicable for those that search the web using the keyword MT Bank routing number NJ or for New Jersey. New York and New Jersey have the same numbers.

  • MT Bank Routing Number New York (default): 022000046

List of MT Bank Routing Number New York

Here are the routing numbers per location. Please be guided accordingly, and remember, do not miss any number or your money may land somewhere else.


  • 021300336
  • 021302978
  • 021906471
  • 021907577
  • 031100173
  • 031300834
  • 031301192
  • 031301532
  • 031302955
  • 031318619
  • 051008828
  • 052000113
  • 052000634
  • 052100408
  • 052204346
  • 055000110
  • 056005363
  • 056009233
  • 221370108
  • 221371165
  • 251472636
  • 256073302
  • 256073373
international trade


  • 055073532
  • 231375520
  • 252070435
  • 252070817
  • 031302735
  • 255072317


  • 031100092
  • 031901929
  • 052173464

MT Bank Routing Number Delaware

If you are a resident of Delaware and you have an account on MT Bank, this bit right here is for you. You may use this MT Bank routing number when you do Direct Deposit, Wire Transfer or pay your monthly bills.

  • MT Bank Routing Number Delaware: 031302955

It is also worth noting that the same MT Bank routing number is used for Pennsylvania account holders. So it is safe to say that the 031302955 is the MT Bank routing number PA or for Pennsylvania.

How about SunTrust Routing Number, Navy Federal Routing Number, KeyBank Routing Number, America First Routing Number, or Regions Routing Number? Check them out in other articles in this website.

How to Find Routing Number Offline

Here is a quick tip on how you can find your MT Bank routing number without having to go online. This tip is actually a known fact for many, but if in case you do not know this yet, this could be helpful.

All banks and financial institutions that release their own check has their official routing number printed on it. That simply means that your MT Bank routing number has been in your checks all along.

Routing Number on Your Check

Of course, this is only applicable for those that have checking accounts or checkbooks distributed to them. So if you have one, here is your tip.

mt bank routing number

Get one check and look to it closely. At the bottom-left corner of the check is the nine-digit code that should be familiar to you. If not, that my friend is your MT Bank routing number. That’s the one next to your MT Bank account number.

Want to know details about Associated Bank, Ally Bank Routing Number, First Bank Routing Number, Fidelity Routing Number, Zion Routing Number, and MACU Routing Number? Browse over our website and you will find what you need.


💡 If I use a different branch for banking purposes but my account was opened in another branch, which one is my routing number?

In order to simplify the banking process, the banks use the branch and location where your account was opened as the one which is your routing number.

💳 Can I find out the routing number on my debit/credit card?

No. A routing number is only used for the bank to bank transfers, therefore it can not be found out using your debit or credit card. However, you can bookmark this page for easy accessibility so that you can find your routing number whenever you need it.

Is my Routing Number and Account Number the same?

Routing Numbers and Account Numbers are different. Routing Number is the number that is used for the identification of a particular bank branch, according to location. Account Number is specific and unique to your account. A lot of people will have the same Routing Number but no one will have the same Account Number as you. 


This article serves to provide your MT Bank routing number. We hope that we have given you all the information that you need in this article. Ask about transaction, privacy policy, M&T Bank Corporation, international transfers, financial transactions, M&T Online Banking, bank statement, individual bank accounts, domestic transfer, electronic funds transfers, transfer ACH payment or anything from the article. If you have any suggestions too, the comment section is yours. Just state your message, and we will try to get back to you as soon as possible.

2 thoughts on “M&T Bank Routing Number – United States (How to Guide)”

  1. The solution to MT is not to know how they handle this, but to build a system that is more reliable and is more reliable than a lot of other alternatives. It would also be nice if they would have a clear and transparent API for the calls.

  2. The other day I was wondering whether Mt. should have a credit union or a PayPal? I’m guessing the main cause of this is that it makes people less able to trust other bank providers. Perhaps it’s not because of the difficulty of finding these sorts of services, and that they can’t do better. Is it even possible to find people who want to trust them?


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