Estate planning at M&T Bank
How to protect 12 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
Customer Service
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→
Estate Services
Phone1-800-724-2440
Fax(716) 274-1087
Mailing Address
M&T Bank Estate Services, PO Box 1850, Buffalo, NY 14240
WebsiteNotify online→
Verified Apr 2026
M&T Bank has 12 accounts, each with different rules for what happens when the account holder dies. Of those, 10 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
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 12 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. 6-step process, 5 required documents, and contact information for survivors.
View details →Reach M&T Bank's Estate Administration Services / Wilmington Trust at 1-800-724-2440 for help with any of these procedures. Email inquiries can be sent to EstateServices@mtb.com.
M&T Bank is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
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.
Visit an M&T Bank branch with your trust document (full trust agreement or Certificate of Trust), government-issued ID for all trustees, and your trust Employer Identification Number (EIN) if applicable. Ask a branch representative to retitle the account to trust ownership. Processing typically takes 1-2 weeks. A revocable living trust generally uses the grantor's Social Security number while the grantor is living. For trust administration and fiduciary questions, contact Wilmington Trust at 1-800-982-4620.
Wilmington Trust, an M&T Bank affiliate based in Delaware, can administer trusts under Delaware law regardless of the client's state of residence. Delaware advantages include directed trust structures (separating investment and distribution roles), dynasty trusts that can extend beyond the federal Rule Against Perpetuities, domestic asset protection trusts, and favorable trust income tax rules. Contact Wilmington Trust at 1-800-982-4620 or visit wilmingtontrust.com for more information.
Sources
Data sourced from M&T Bank primary sources (16 pages reviewed). How we research.
Customer Service
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→
Estate Services
Phone1-800-724-2440
Fax(716) 274-1087
Mailing Address
M&T Bank Estate Services, PO Box 1850, Buffalo, NY 14240
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your M&T Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
