M&T personal, business and Treasury Center statements
Convert an M&T Bank statement to Excel, CSV or QuickBooks
M&T’s eStatements go back up to seven years. Convert the PDFs to get any month into Excel, CSV, QuickBooks or Quicken, with each row checked against the balance M&T prints beside it.
- Ledger Balance checked on every row
- Checks Paid Summary not counted twice
- Beginning and Ending Balance rows skipped
- Any month from the seven-year archive
7 years
of eStatements online
Personal accounts and Treasury Center
$9.95 / month
for Direct Connect
To Quicken or QuickBooks
250
statements per bulk download
Treasury Center, as one zip file
MM/DD/YYYY
posting dates with the full year
A balance on every row
The short answer
Can you export an M&T Bank statement to Excel?
Partly. M&T’s Digital Services Agreement lets you export account information for Quicken or for spreadsheet software such as Excel, but only for recent transaction history, and M&T does not publish the file types or how far back “recent” reaches. For a full statement, or any month older than the export covers, save the PDF and convert it: you get the same Excel, CSV or QuickBooks file, matched to the statement period.
M&T keeps eStatements for up to seven years in M&T Online Banking, for checking, savings, CDs, credit cards, loans, lines of credit, mortgages and home equity accounts. The agreement calls the area the Statements and Notices service. Those PDFs are the complete record; the export is a short window.
An M&T statement prints a balance on every row of Account Activity, so a converted M&T statement can be checked line by line: each deposit and debit must move the balance to the figure M&T printed beside it, and the last row must land on the Ending Balance.
Every check is printed twice, and the balances sit inside the activity table
Sample statement
What a M&T statement looks like
Hover or tap a number to see what each part means for a conversion.
M&T Bank
MyChoice Plus Checking · ending 7731
Customer Statement for the Period AUG 20-SEP 19,2026
JANE DOE · Page 3 of 4
Account Summary
- Beginning Balance
- $2,415.60
- (+) 1 Deposits & Other Credits
- $1,631.20
- (-) 2 Checks & 2 Other Debits
- $1,748.63
- (-) Service Charges
- $0.00
- (+) Current Interest Paid
- $0.00
- Ending Balance
- $2,298.17
Account Activity
| Posting Date | Transaction Description | Serial Number | Deposits & Other Credits (+) | Checks & Other Debits (-) | Daily Balance | Ledger Balance |
|---|---|---|---|---|---|---|
| 08/20/2026 | Beginning Balance | 2,415.60 | ||||
| 08/22/2026 | PAYROLL DEP NIAGARA FRAME CO | 1,631.20 | 4,046.80 | 4,046.80 | ||
| 08/25/2026 | POS PURCHASE WEGMANS #071 AMHERST NY | 112.48 | 3,934.32 | 3,934.32 | ||
| 08/29/2026 | CHECK NUMBER 1418 | 1418 | 1,250.00 | 2,684.32 | 2,684.32 | |
| 09/02/2026 | NATIONAL FUEL GAS ACH DEBIT | 86.15 | 2,598.17 | 2,598.17 | ||
| 09/08/2026 | CHECK NUMBER 1419 | 1419 | 300.00 | 2,298.17 | 2,298.17 |
Ending Balance:$2,298.17
Checks Paid Summary
| Check Number | Date | Amount |
|---|---|---|
| 1418 | 08/29/26 | 1,250.00 |
| 1419 | 09/08/26 | 300.00 |
Number of Checks Paid: 2 · Amount of Checks Paid$1,550.00
Native export
What M&T lets you export
Each route has a job. Converting the statement is for everything the export does not reach.
Data export and Direct Connect
Recent transaction history
M&T Online Banking exports recent activity for Quicken or spreadsheet software such as Excel. Direct Connect, at $9.95 a month, downloads it straight into Quicken or QuickBooks.
Where it stops: M&T does not publish the file types or how far back the export reaches, and the dates will not match a statement period.
eStatements in M&T Online Banking
Up to 7 years
One PDF per statement, with the Statement Summary, each account’s Account Summary, Account Activity with its balances, and the Checks Paid Summary.
Where it stops: A PDF only. Getting the rows into Excel or QuickBooks means converting it.
Converting the statement with VouchRow
Any statement you have
The PDF becomes rows in the format your software takes, checked against the Ledger Balance on every row, with each check counted once.
Where it stops: Needs the statement PDF. A month older than the archive has to come from M&T first.
How far back
How far back each M&T option reaches
M&T publishes the depth of its statement archive and its app search, but not of its data export.
Data export (Quicken or spreadsheet)
Not published
M&T’s agreement says “recent transaction history” only. Check online banking for the earliest date it offers.
Account search in the M&T app
90 days
For finding transactions, not exporting them. Bill payment and transfer searches reach 24 months.
eStatements (PDF)
Up to 7 years
Personal accounts while enrolled in electronic delivery, and commercial accounts in Treasury Center.
A dashed bar means the bank does not publish a figure; check your own online banking.
Step by step
How to convert an M&T Bank statement
- 1Save the eStatements from M&T Online BankingSign in to M&T Online Banking and open your statements (the Statements and Notices service), then save each month you need as a PDF. If you still get paper statements, switch them in Delivery Settings so future months are stored online. Treasury Center users open Online Statements under Reporting.
- 2Keep personal and business apartPersonal and business statements use slightly different columns. One statement can also cover several accounts, listed in the Statement Summary on page one. Convert each account into its own account in your software.
- 3Upload and convertSign in to VouchRow and add the PDFs. Digital statements convert in batches. A scanned paper statement is read with OCR, one at a time. A password-protected PDF is unlocked in your browser; the password is never sent.
- 4Check each row against the Ledger BalanceEvery converted row must reproduce the balance M&T printed, and the month must run from the Beginning Balance to the Ending Balance. If not, VouchRow shows the dollar difference, and clicking any row shows its line on the PDF.
- 5ExportExcel or CSV to review, QBO for QuickBooks, QFX or QIF for Quicken, or the Xero CSV preset.
Formats
Where is your M&T data going?
Pick the destination. The advice changes with it.
M&T Bank statement to Excel
An .xlsx with one row per deposit, check and debit: posting date, description, check number where there is one, a signed amount, and the balance M&T printed. Deposits & Other Credits come out positive and Checks & Other Debits negative, so the amount column sums to the change from Beginning Balance to Ending Balance.
Because M&T prints a balance on every row, the balance column in the file is the proof: sort by date and it runs from one statement into the next without a gap.
PDF to ExcelM&T Bank statement to CSV
CSV suits an importer, a script or a lender’s system. M&T’s own export covers recent activity only; a converted CSV follows the statement period exactly, with the same columns every month.
Choose the date format the importer expects before exporting. M&T prints MM/DD/YYYY, which suits most US software.
PDF to CSVM&T Bank statement to QuickBooks
Export QBO and upload it to the bank account in QuickBooks Online (bank transactions, upload from file) or open it as a Web Connect file in Desktop. There is no monthly charge like Direct Connect’s, and it reaches any month you have a statement for.
Each row carries a transaction ID, so where a converted month overlaps one Direct Connect already brought in, QuickBooks recognises the repeats. Check numbers come through for matching to bills.
PDF to QBOM&T Bank statement to Quicken
QFX is Quicken’s Web Connect format. Import it into the existing M&T account so older months join the history you already have rather than creating a new account.
QIF also works but has no transaction IDs, so a month imported twice will duplicate. Prefer QFX when the account already holds downloaded months.
PDF to QFXM&T Bank statement to Xero
Use the Xero CSV preset: one signed amount column and the date format Xero expects. Import it into the matching bank account in Xero, then reconcile as usual.
Business statements put service charges among Checks & Other Debits; they arrive as separate lines, ready to code to bank fees.
Statements into XeroStatement layout
How a M&T statement is laid out
The facts to check against the statement in front of you. Accounts covered: EZChoice, MyChoice Plus and MyChoice Premium Checking, M&T savings and money market accounts, Business checking, including analyzed business accounts, Commercial accounts in M&T Treasury Center.
| Date format | Posting Date as MM/DD/YYYY on every row; the Checks Paid Summary uses MM/DD/YY |
|---|---|
| Running balance | Yes. Personal statements print a Daily Balance and a Ledger Balance on each row; business statements print a Daily Balance |
| Amount columns | Two columns: Deposits & Other Credits (+) and Checks & Other Debits (-), both printed without signs |
| Balance rows | Account Activity opens with a “Beginning Balance” row and closes with “Ending Balance:”. Neither is a transaction |
| Checks | Each paid check is listed in Account Activity and again in the Checks Paid Summary, with * for a gap in the sequence and ** for a returned check |
Why it works
Built around how M&T prints a statement
Every row checked
M&T prints a balance on each line of Account Activity. Each converted row is checked against it, so one misread amount shows up at the row where it happened.
Checks counted once
A paid check appears in Account Activity and again in the Checks Paid Summary. It comes out as one row, with the check number kept for matching.
Balance rows left out
The “Beginning Balance” and “Ending Balance:” lines inside the activity table are read as the month’s opening and closing figures, not as transactions.
Two columns, one sign
Deposits & Other Credits (+) become money in and Checks & Other Debits (-) money out, in one signed amount column.
Several accounts per statement
When the Statement Summary lists more than one account, each account’s activity is kept separate so it lands in the right account in your books.
Every row traced to its line
Click a row and the PDF opens at the line it came from, with the Serial Number and balance beside it for a reviewer.
Checked before export
A misread digit is caught on its own row
Every conversion is tested against the statement: the running balance on every row, page subtotals, opening plus movement against closing, the printed credit and debit totals, and the transaction count. When a number does not add up, VouchRow names the row and highlights the line it came from on the PDF.
Arithmetic only: it verifies amounts, balances and totals, not descriptions or dates, and two errors that cancel out would pass. The source-line link covers the rest.
How the checks workRunning balance check
- POS AMAZON MKTPLACE−86.4316,604.12
- CHECK #1042−1,250.0015,354.12
- ZELLE FROM J MORALES+640.0015,994.12
Every row agrees with the balance printed beside it.
Layout
What an M&T Bank statement looks like
M&T redesigned its eStatement and publishes an annotated example. Page one carries the “Customer Statement for the Period” line at the top right, contact details, and a Statement Summary table listing each account on the statement with its Number, Interest Paid Year-to-Date and Ending Balance, followed by a Total Deposits line. That table is an index of accounts, not activity.
Each account then gets its own block, headed with the account name and number. An Account Summary shows the Beginning Balance, “(+) Deposits & Other Credits” and “(-) Checks & Other Debits” with the number of items in each, “(-) Service Charges”, “(+) Current Interest Paid” and the Ending Balance.
Account Activity follows, with Posting Date, Transaction Description, Serial Number, Deposits & Other Credits (+), Checks & Other Debits (-), Daily Balance and Ledger Balance. M&T describes the Daily Balance as the available balance, including pending items, and the Ledger Balance as the official record of the balance at the end of the previous business day. The Posting Date carries the full year (09/20/2025), so there is no year to guess.
Checks
The Checks Paid Summary and serial numbers
Under Account Activity, a Checks Paid Summary lists Check Number, Date and Amount, three checks to a line, with the Number of Checks Paid and Amount of Checks Paid beneath. A single asterisk marks a gap in the check sequence and a double asterisk a returned check. Every check in it has already appeared in Account Activity as “CHECK NUMBER” with the number in the Serial Number column.
The converted file takes each check once, from Account Activity, and uses the summary as a cross-check: the checks found must add up to the Amount of Checks Paid. The check number goes into the reference or check number field, so QuickBooks or Xero can match it to the bill it paid.
Business
M&T business and commercial statements
M&T’s business banking and commercial statement uses the same Statement Summary and Account Summary, but its Account Activity has five columns: Posting Date, Transaction Description, Deposits & Other Credits (+), Checks & Other Debits (-) and Daily Balance. There is no Serial Number or Ledger Balance column, and the block closes with a NUMBER OF DEPOSITS/CHECKS PAID line. Service charges post as rows in Checks & Other Debits.
Commercial clients who use M&T Treasury Center find statements under Reporting, then Online Statements, with up to seven years of checking, savings and account analysis statements. M&T’s guide says up to 250 statements can be selected and downloaded at once as a zip file of PDFs, which converts in one batch.
QuickBooks and Quicken
M&T with QuickBooks and Quicken
M&T’s own link to Intuit software is M&T Direct Connect: it downloads M&T transaction data into Quicken or QuickBooks with your M&T User ID and password, for $9.95 a month according to M&T’s Direct Connect page and fee schedule. The Digital Services Agreement says the data generally does not include transactions posted since the end of the prior business day.
For months Direct Connect or the export no longer reaches, convert the statements to QBO for QuickBooks or QFX for Quicken and import them into the same account. Each converted row carries a transaction ID, so where a converted month overlaps one already downloaded, the repeats are recognised rather than doubled.
M&T credit card statements are kept in the same seven-year eStatement archive. A card statement is proved against its own summary rather than a running balance; see the credit card statement converter for how that works.
Troubleshooting
Common M&T conversion problems
Most M&T errors come from rows that look like activity but are not.
- Checks counted twice: the Checks Paid Summary was read as more activity. Each check is already a row in Account Activity.
- An extra row on the first and last day: the “Beginning Balance” and “Ending Balance:” lines were read as transactions.
- The running balance is off by pending items: the Daily Balance column was used. Follow the Ledger Balance, the posted record.
- Accounts mixed together: a statement covering several accounts was read as one. Each account block has its own Account Summary.
- Rows out of the expected order on one day: M&T posts credits first, then debits, then fees, with checks from lowest to highest amount. The printed order is right; do not re-sort within a day.
- The export stops short: M&T’s data export covers recent transaction history only. Older months come from the eStatements.
Side by side
M&T’s data export vs converting the statement
| M&T data export or Direct Connect | Converting the PDF statement | |
|---|---|---|
| How far back | Recent transaction history; M&T does not publish the depth | Up to 7 years of eStatements online, plus any you saved |
| Formats | Quicken and spreadsheet files (types not published); Direct Connect into Quicken or QuickBooks | Excel, CSV, QBO, QFX, OFX, QIF, IIF, Tally XML |
| Cost | Export included; Direct Connect $9.95 a month | Your VouchRow plan |
| Matches the statement period | Only if you pick the exact dates | Always: one statement, one period |
| Checked against the statement | No | Against the Ledger Balance on every row and the Account Summary |
| Proof for a reviewer | A list of rows | Every row linked to its line on the PDF |
Before you import
After converting an M&T statement, check these
- The month balancesBeginning Balance plus credits, minus debits and service charges, plus interest equals the Ending Balance. If not, the difference is shown.
- Each check appears onceThe number of check rows equals the Number of Checks Paid, and their total equals the Amount of Checks Paid.
- No balance rowsNothing labelled “Beginning Balance” or “Ending Balance:” among the transactions.
- The Ledger Balance matchesA running total from the Beginning Balance matches the Ledger Balance on every row.
- One account per fileIf the Statement Summary lists several accounts, each one’s rows went to its own file or account.
- Same-day order keptCredits, then debits, then fees within a day, as M&T posts them, so the running balance still lines up.
Downloaded activity and statements are not the same thing
QBO for M&T
Who uses it
Who converts M&T Bank statements
Small business catch-up in QuickBooks
Months of business checking converted to QBO without paying for Direct Connect, with service charges kept as their own rows.
Mortgage and loan applications
Two or more months of personal statements in Excel, with the daily and ledger balances an underwriter asks about.
Commercial clients in Treasury Center
A zip of statements downloaded in bulk, converted in one batch and reconciled account by account.
Divorce, estates and forensic work
Years of statements from the seven-year archive turned into one sortable ledger, every row traceable to the PDF.
FAQ
M&T statements: questions
How do I export an M&T Bank statement to Excel?
M&T’s data export offers recent transaction history for Quicken or spreadsheet software. For a full statement, or anything older, save the eStatement PDF from M&T Online Banking and convert it here to Excel or CSV. Each row is checked against the balance M&T printed.
How do I get my M&T Bank statement?
Sign in to M&T Online Banking and open your statements (M&T calls the service Statements and Notices). Each statement opens as a PDF you can save or print. If you are not enrolled, enroll in Online Banking first and update Delivery Settings to receive eStatements.
How far back do M&T Bank statements go online?
M&T says eStatements accessed through M&T Online Banking are stored for up to seven years, for checking, savings, CDs, credit cards, loans, lines of credit, mortgages and home equity accounts, as long as you stay enrolled in electronic delivery. Treasury Center also keeps up to seven years.
How do I get my M&T Bank statement on the app?
The M&T Mobile Banking app shows personal and business accounts, but M&T does not publish the menu path for statements in the app. If you cannot find them there, use M&T Online Banking in a browser, where the full seven-year archive is available.
How far back does M&T transaction history go?
In the app, an Account search finds transactions up to 90 days old, and bill payment and transfer searches reach 24 months. The data export covers recent transaction history only. Older activity is in the statements.
Does M&T Bank work with QuickBooks and Quicken?
Yes, through M&T Direct Connect, which M&T lists at $9.95 a month. For months it does not cover, convert the statement PDFs to QBO for QuickBooks or QFX for Quicken and import them into the same account.
What does an M&T Bank statement look like?
Page one has a Statement Summary of accounts. Each account then has an Account Summary (Beginning Balance, Deposits & Other Credits, Checks & Other Debits, Service Charges, Current Interest Paid, Ending Balance), Account Activity with a Daily Balance and Ledger Balance on every row, and a Checks Paid Summary.
Why are my checks doubled after converting?
Because each check appears in Account Activity and again in the Checks Paid Summary. Converted files here take each check once and use the summary to confirm the total.
My M&T statement PDF has a password. Can I still convert it?
Yes. Enter the password when you upload. The PDF is unlocked in your browser and the password is never sent to us.
Keep going
Related guides and converters
Formats for M&T statements
Other bank pages
Other banks
Sources
The facts about M&T Bank on this page come from these pages, checked in October 2026. Banks change their online banking; if something here no longer matches, the bank’s own help page wins. Tell us and we will update it.
- M&T: eStatements, storage for up to 7 years (mtb.com)
- M&T: new eStatement design, annotated personal and business statements (mtb.com)
- M&T: Digital Services Agreement, data export, Statements and Notices, fee schedule (mtb.com)
- M&T: Direct Connect for Quicken and QuickBooks, $9.95 a month (mtb.com)
- M&T: Mobile and Online Banking FAQs, transaction search limits (mtb.com)
- M&T: Treasury Center Online Statements user guide (mtb.com)
- M&T: how bank transactions are processed, posting order (mtb.com)
Convert your M&T Bank statements
Upload the PDFs, check every row against M&T’s Ledger Balance, and export Excel, CSV, QBO or QFX.