Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

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.





A mom and dad teaching their son and daughter a card game.

Coverdell Education Savings Account (ESA)

​​Learn how an ESA through M&T Securities, Inc.​​​ can help you save for a variety of education expenses while providing potential tax benefits.

Request More Information_



​​​​​​How a Coverdell Account Works 

Coverdell accounts are trusts or custodial accounts created exclusively to pay for an individual's qualified education expenses for elementary school, secondary school or college expenses.

If there is a balance in the ESA when the beneficiary reaches age 30, it generally must be distributed within 30 days (or rolled over to another beneficiary under age 30). ​

Tax and Other Potential Bene​​​fits

Tax deferral can have a dramatic effect on the growth of an investment. With the Coverdell ESA, your contributions can grow tax-deferred and be distributed income tax-free as long as distributions are used for qualified education expenses, such as:

  • Tuition and fees
  • Books, supplies and equipment

There are income limits. Consult your tax advisor for more information.

How much will I need to save​​​ for college?

The amount you'll need to save depends on many factors, including:​​

  • How far in advance you begin saving
  • How many years of college you want to fund
  • The rising future cost of tuition
  • How much you've already put away
  • Your federal and state tax rate
  • The rate of inflation​

College Savings ​​​​​Calculator

Use our online tool to calculate the estimated future cost of tuition and how much you may need to invest in order to meet your higher education savings goals.​

Calculate College Costs Now >