M&T Bank is a full-service bank that provides personal, commercial, corporate and investment banking services. It offers a wide range of financial services, including small business banking, business lending, treasury management, capital market, employees benefits, mortgage lending, residential construction financing and insurance services. The bank offers certificates of deposit, savings accounts, business checking accounts, individual retirement accounts, credit and debit cards, ATMs and Internet banking. It also offers a variety of employee services that include payroll management, direct deposit, workplace banking and retirement planning. The bank provides a variety of loans, including home equity, educational, personal, vehicle and home loans. It has more than 650 branches and over 1,500 ATMs.