Online Banking Security

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Rest assured 

Have peace of mind using your Debit Card or M&T Credit Card in person, online and over the phone knowing you're covered help prevent, detect and resolve card fraud.

Your Debit Cards are safer than carrying cash.

Debit Card Credit Card
FRAUD PREVENTION A 3-Digit SecurityCode on the back of your card helps provide Internet and phone security by helping to verify you’re in possession of your card. X X
Verified by Visa®1 helps to confirm your identity through a personal password when shopping online at participating merchants. X ​X
Chip Technology encrypts card member information into a unique code. X X
FRAUD DETECTION Real-Time Fraud Monitoring screens your account 24/7 to help you detect suspicious card activity outside your normal purchasing pattern. X X
Alerts2 are security notifications delivered to you via text message and email when potentially suspicious activity occurs or your PIN is changed. You can also receive approved and declined transaction alerts. X
FRAUD RESOLUTION Visa Zero Liability Policy3 helps protect you against unauthorized use of your card. X X
Expedited Card Replacement4 gives you the option to get lost or stolen cards replaced quickly – in most cases, by the next business day. X X

So whether it’s a bite to eat, gas, groceries or a cup of coffee, reach for your Debit Card. You can rest easy knowing we’re working to defend against card fraud with .

Need help?


The stuff under Fraud Prevention is correct for us. 


Fraud Detection:  FIS does Real Time Fraud monitoring, right Chris?


No M&T alerts – I guess Securlock would be that.


Fraud Resolution:  Visa zero liability policy – I’m not sure about – Chris? 


And then you could list Instant Issue Card Replacement instead of “expedited”.

Bank with confidence.

M&T Online Banking and M&T Mobile Banking1 have multiple features in place to protect your financial and personal information.

We take extra steps to help safeguard your mobile experience.

If you are concerned that your account has been compromised, please contact M&T Online Customer Service at 1-800-790-9130 (Monday–Friday 8am–9pm, Saturday–Sunday 9am–5pm ET).

To report phishing scam attempts, please email


Security Notice – Browser Updates May Be Required To Use Online Banking Solutions

As an ongoing security and protection for your finances, First United deploys and keeps up-to-date many layers of security and encryption protocols to protect your confidential information. Many modern internet browsers support these advanced encryption techniques, however, some older browsers do not. Please note that, beginning May 21st, customers using the unsupported Microsoft Windows XP® and Windows Vista® with Internet Explorer (IE) 6 or 8, will be unable to use our digital solutions and must upgrade to a newer supported version of Internet Explorer, Google Chrome™, or Mozilla Firefox® instead.

Additionally, some end customers using Internet Explorer 10 (IE10) or lower may receive a message from their browser about updating their browser security settings to TLS 1.1 or 1.2. These end customers should enable these protocols on the Advanced tab in IE via Tools > Internet Options to continue accessing digital finance solutions or upgrade to a newer supported version of Internet Explorer.

If you have questions, please contact our Customer Care Center at 1-888-692-2654.