Routing Number 022004503

Routing number 022004503 is assigned to M&T Bank, a branch located at 550 Broad St, Newark, New Jersey 07102. This nine-digit ABA routing transit number identifies M&T Bank within the Federal Reserve's New York district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (02) indicate the Federal Reserve Bank of New York, digits 3-4 (20) identify the processing center, digits 5-8 (0450) are the institution identifier, and the final digit (3) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with M&T Bank, provide your employer with routing number 022004503 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in M&T Bank's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from M&T Bank, in the mobile app, or by calling 800-724-2440. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 022004503 is registered for ACH transactions at M&T Bank, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, M&T Bank may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with M&T Bank before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This branch of M&T Bank is located at 550 Broad St, Newark, NJ 07102. M&T Bank operates in the Federal Reserve's New York district, which serves as the regional hub for monetary policy and payment processing in this area.