M&T Bank serves customers personal banking needs in numerous counties in New York. The bank offers a variety of personal banking options to its customer base that include borrowing options, such as mortgages, auto loans, personal loans and home equity; basic banking options that include checking accounts, savings accounts, individual retirement accounts, Internet banking and check reorders; asset management and trust services; and brokerage services. M&T Bank has locations in Fayetteville, Owego, Syracuse, Skaneateles, Oriskany, Barneveld, Herkimer, Little Falls, New Hartford, Utica, Sauquoit, Binghamton, Johnson City, Vestal and Norwich, N.Y.