Estate planning at M&T Bank
How to protect 11 M&T Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through M&T Bank's Estate Administration Services / Wilmington Trust
Phone1-800-724-2440
Toll-Free1-800-724-2440
Fax(716) 274-1087
Mailing Address
PO Box 1850, Buffalo, NY 14240
Estate Administration Services / Wilmington Trust
Phone1-800-982-4620
Toll-Free1-800-724-2440
Fax(716) 274-1087
Mailing Address
PO Box 1850, Buffalo, NY 14240
WebsiteLearn more →
Phone1-800-724-2440
Fax(716) 274-1087
Mailing Address
M&T Bank Estate Services, PO Box 1850, Buffalo, NY 14240
WebsiteNotify online →
Verified Feb 2026
M&T Bank offers 11 consumer accounts that interact with estate planning in distinct ways. Of those, 9 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at M&T Bank can be managed in branch and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
M&T Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at M&T Bank.
View details →When someone dies
Death claim process
Contact M&T Bank's Estate Administration Services / Wilmington Trust to file a claim. 8-step process, 5 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact M&T Bank's Estate Administration Services / Wilmington Trust at 1-800-724-2440. Email inquiries can be sent to EstateServices@mtb.com.
M&T Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. Trusts can be named as POD beneficiaries on M&T Bank deposit accounts including checking, savings, money market, and CDs. You will need to provide the trust name, date established, and Employer Identification Number (EIN) when completing the beneficiary designation form at a branch.
Yes. M&T Bank deposit accounts (checking, savings, money market, and CDs) can be retitled to a revocable living trust. Visit an M&T branch with your trust agreement or Certificate of Trust, government-issued ID for all trustees, and the trust EIN if applicable. Processing typically takes 1-2 weeks.
Yes. M&T provides trust and estate administration services through Wilmington Trust, an M&T Bank affiliate. Wilmington Trust offers fiduciary services, trustee administration, estate settlement assistance, and wealth management. Contact Wilmington Trust at 1-800-982-4620 for personal trust and estate inquiries.
No. IRAs cannot be retitled to a trust. However, you can name your trust as the beneficiary of your IRA. Retirement accounts offered through Wilmington Advisors @ M&T require a separate beneficiary designation. Consult a tax advisor before naming a trust as IRA beneficiary, as there may be significant tax implications.
Phone1-800-724-2440
Toll-Free1-800-724-2440
Fax(716) 274-1087
Mailing Address
PO Box 1850, Buffalo, NY 14240
Estate Administration Services / Wilmington Trust
Phone1-800-982-4620
Toll-Free1-800-724-2440
Fax(716) 274-1087
Mailing Address
PO Box 1850, Buffalo, NY 14240
WebsiteLearn more →
Phone1-800-724-2440
Fax(716) 274-1087
Mailing Address
M&T Bank Estate Services, PO Box 1850, Buffalo, NY 14240
WebsiteNotify online →
Verified Feb 2026
Estate planning resources for M&T Bank customers
Tools and documents to help protect your M&T Bank accounts.
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