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Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





M&T Debit & Credit Cards with Chip Technology FAQsDIS-222*-DIS|DIS-224*-DIS

​​We're here to answer your questions.




​About Chip Cards

A chip card is built with a microchip that provides increased security and convenience when using your card at a chip-enabled terminal. Benefits include:

  • The chip stores information required to authenticate, authorize and process your transactions
  • The chip is encrypted, which means that it is difficult to copy or counterfeit

You may also hear cards with chip technology referred to as EMV cards or Smartcards. EMV stands for Europay, MasterCard® and Visa®, the original organizations that created the specifications.

Chip technology cards contain embedded microprocessors that provide strong transaction security features and other encryption capabilities not possible with traditional magnetic stripe cards.​

At a Non-Chip Terminal

Simply swipe your card and sign the receipt or enter your PIN, if required. M&T cards with chip technology will continue to have the magnetic stripe on the back of the card for purchases at merchants who do not have a chip terminal.

At a Chip-Enabled Terminal

  1. Instead of swiping your card, insert the chip portion of the card into the terminal with the chip facing up. It's important to leave the card in the terminal until the transaction is complete – if you remove the card too soon, the transaction will end, and your purchase will not be processed
  2. Follow the prompts on the terminal's screen. Depending on the terminal, you may or may not be asked to enter your PIN while your card is inside the machine
  3. The terminal will display the purchase amount
  4. Once the purchase is approved and the transaction is complete, you will be prompted to remove your card and take your receipt. If you are not asked for your PIN, you may be asked to sign the receipt for the transaction

Online and Phone Transactions

These transactions will be conducted the same way they are conducted for cards without chip technology. Your PIN is not required for online or phone transactions.

You can use your M&T card with chip technology at all locations that accept Visa® – with or without chip technology. The chip allows you to pay at international merchant locations where chip cards are the standard. Over the next several years, more chip terminals are expected to appear at merchant locations and ATMs throughout the United States. Chip card technology has already been implemented in over 92 countries in Europe, Asia, Latin America, Africa and the Middle East.​​​

In addition to the embedded chip that provides an added layer of security at chip-enabled terminals, your card will also continue to have the traditional magnetic stripe, enabling you to use it at merchants who do not yet have a chip-enabled terminal.

No additional fees apply – please refer to your cardholder agreement for standard card fees.​​

Just like any time you get a new card, activate the card by calling the number found on the sticker or, if it is an M&T Debit Card, use any ATM and enter your PIN. If you have recurring payments set up, ensure that merchants have the correct card number, expiration date and the 3-digit security code.

You may load your M&T card with chip to any digital wallet that accepts M&T cards for payment.

These are all just different terms for the same technology. These cards are a global standard for processing credit and debit card payments. Various companies may refer to chip cards slightly differently, but they all function to help keep your card more secure.

No. Chip technology replaces Visa® payWave. You can continue to use the payWave functionality on your existing card until a new card with chip technology is issued.​​


​Chip technology has been in existence for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy. Chip technology is the next step to providing enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase, you can have confidence in the protection and security features we provide for all credit and debit card accounts. Remember, if you notice any suspicious activity on your account notify us immediately by calling the number on the back of your card.

Chip card technology provides an additional layer of security to help reduce certain types of fraud resulting from data breaches. However, it will not prevent a data breach.

No. As the industry continues to develop new ways to protect consumers, criminals continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide. As always, you are also covered by the Visa® Zero Liability Policy.DIS-195-DIS

No. Chip card technology is not a locator system. The chip on your card is limited to supporting authentication of card data.

M&T Bank is committed to your security and continues to provide you with Visa® Zero Liability Policy,DIS-195-DIS 24/7 Real Time Fraud Monitoring and Security AlertsDIS-70-DIS (available on debit cards only).

If your card is lost or stolen, promptly contact us at 1-800-724-2440 or stop in a branch so we can issue you a new one. Note that no personal information is stored on the chip – it contains information used to process your transactions at a merchant terminal.

You should never give out your PIN and M&T will never call customers asking for a PIN.

​Using Chip Debit Cards

If you don't have a debit card with chip technology today, contact us at 1-800-724-2440, access our online request form or stop into a branch. You'll receive one when your old card expires or needs to be reissued.

Yes. You can continue to use your card as you do today by following the instructions at an ATM.

No. Your new chip card replaces your old card.

​To find out if the card reader is chip-enabled, swipe your card and then follow the prompts on screen. If the card reader is chip-enabled, you will be instructed to insert your card into the slot at the front of the reader. Keep your card in the reader and enter your PIN, or sign as needed. Follow the prompts on screen until your transaction is complete, and always remember to take your card when you're done.

​If you don’t know your PIN or would like to change it, call 1-800-724-2440 or visit an M&T branch.

​Your new card will feature the same image as your most recent custom card, and you will not incur an additional image setup fee.

​Using Chip Credit Cards

​​​Your M&T Bank Visa® Credit Card now features chip technology, which is an encrypted microchip that helps to protect your card from fraud and counterfeit transactions. Although there is no guarantee that chip technology will prevent fraud from happening, the encryption technology and dynamic data authentication help provide increased protection from counterfeit card creation. Your card also features a Personal Identification Number (PIN) that you can customize, which helps add to the security of your credit card. These cards will continue to feature the traditional magnetic stripe, so you can use them anywhere.​​

You may be asked to enter your PIN when using your new M&T Visa® Credit Card at a chip-enabled merchant location. In other instances, you may simply be asked to sign a receipt as you do today. Just follow the prompts on the merchant terminal. The merchant terminal will guide you through the transaction.​

Your PIN adds an extra layer of security to the transaction. Only you, as the cardholder, will know your PIN.​​​

If you already have a PIN associated with your M&T Bank Visa® Credit Card, you can keep it or set a new one.​​

Request a custom PIN mailer by calling 1-800-724-2440. Complete the detachable form and return via mail. PIN mailers cannot be sent to an alternate address or sent via express delivery. Once this request has been received, the PIN will be changed.

​​​You can visit www.mtb.com/chipcard for more information or call 1-800-724-2440 (Mon–Fri 6am–9pm and Sat–Sun 9am–5pm ET).

​About Chip-Enabled ATMs

​An ATM that has the capability to process a chip card transaction. You may also hear ATMs with chip technology referred to as EMV ATMs. EMV stands for Europay, MasterCard, and Visa, the original organizations that created the specifications for the migration of chip technology.

​For an ATM to be able to process a chip card, it must be chip-enabled, which provides added security and may help to reduce fraud.

Using M&T Chip-Enabled ATMs

Yes, there will be an increase in transaction time in order to detect and authenticate the chip. Cards will be retained by the ATM for the duration of the transaction and be returned before cash is dispensed. At some locations (primarily non-branch locations), a customer may be prompted to insert their card a second time.

A non-chip card will still work at M&T Bank ATMs.






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