Established in 1856, M&T Bank is one of the largest independent bank holding companies in the United States. Based in Melville, N.Y., it has more than 750 branches, free account access of over 1,800 M&T Bank ATMs. The bank offers an array of financial solutions, such as health savings account, loans and lines of credit, education savings planning, insurance planning, brokerage services and web trading, among others. M&T Bank is a member of the Federal Deposit Insurance Corp. (FDIC) and is an Equal Housing Lender. It has offices located in New York, Pennsylvania, Maryland, New Jersey, Washington, D.C., Virginia, West Virginia and Delaware.