M&T Bank Corporation operates as the holding company for M&T Bank that provide commercial and retail banking services to individuals, corporations and other businesses, and institutions. It offers demand, savings, time deposits, and NOW accounts; business loans and leases, including loans guaranteed by the small business administration; business credit cards; and financial services, such as cash management, payroll and direct deposit, merchant credit card, and letters of credit. The company also originates, sells, and services commercial real estate loans; and offers short-term and long-term borrowed funds, brokered certificates of deposits, interest rate swap agreements, and foreign exchange services, as well as invests and trades in securities. In addition, it originates and services residential mortgage loans and sells those loans in the secondary market to investors, as well as originates loans to developers of residential real estate properties. Further, the company provides consumer installment loans, automobile loans, home equity loans, and lines of credit; investment products, including mutual funds and annuities; trust, fiduciary, and custodial services; reinsurance of credit life and accident, and health insurance; insurance agency services; securities brokerage and investment advisory services; and investment management services to certain private funds. M&T Bank Corporation offers its products and services through its banking offices, telephone banking, Internet banking, and automated teller machines (ATM). It operates approximately 780 retail and commercial branches and 2,000 ATMs located in 8 states, the District of Columbia, and Ontario, Canada. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.