M & T BANK Routing Number 031100173 — AMHERST, NY

About Routing Number 031100173 — M & T BANK

Routing number 031100173 is the official 9-digit ABA routing number registered to M & T BANK at 2ND FLOOR, AMHERST, NY 14228. It is registered with the American Bankers Association and the Federal Reserve E-Payments Routing Directory. This number is used exclusively within the US domestic payment system — for ACH transfers, direct deposits, check processing, and domestic wire transfers routed through Fedwire. It cannot be used for international transfers, which require a SWIFT/BIC code.

How to Read Routing Number 031100173

The 9-digit number 031100173 is structured in three segments: 0311 is the Federal Reserve routing symbol — the first two digits identify the Federal Reserve district and the next two identify the specific Federal Reserve processing office handling M & T BANK's transactions. 0017 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to M & T BANK. 3 is the check digit — a single digit calculated from the first eight digits using a weighted sum formula (3-7-1 multipliers). Payment processing systems run this calculation in real time to catch routing number entry errors before any funds move.

ACH, Direct Deposit, and Wire — When to Use 031100173

• Direct Deposit — Payroll and Government Payments: Provide routing number 031100173 and your account number to set up payroll direct deposit, IRS tax refunds, Social Security, VA benefits, or any recurring government payment.
• ACH Transfers — Bill Payments and Bank Transfers: Enter 031100173 when authorising electronic debits or credits — utility bills, insurance premiums, subscription services, or bank-to-bank transfers via NACHA's ACH network.
• Check Payments: This routing number is printed at the bottom-left of every M & T BANK personal check in AMHERST — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with M & T BANK whether 031100173 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 031100173 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find M & T BANK's SWIFT code at the SWIFT Code Lookup.
• Indian bank transfers (NEFT, RTGS, IMPS, UPI) — require an IFSC code. Use the IFSC Code Lookup.
• Cheque clearing in India — requires a MICR code. Use the MICR Code Lookup.

How to Verify Routing Number 031100173 Is Correct

Before using 031100173 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a M & T BANK personal check — the routing number must match. (2) Log into M & T BANK online banking under Account Details. (3) Cross-check against the Federal Reserve routing directory. BankZop sources all routing data from official ABA and Federal Reserve records as of Jun 2026.

Browse more M & T BANK routing numbers in NY or across all states. For all US banks, visit the Routing Number Lookup. For international transfers, use the SWIFT Code Lookup. For loan EMI planning, try the EMI Calculator.