Company: MTB-PJ
Filing Date: 2025-07-29
Form Type: 424B2
Source: 0001193125-25-167978
Chunk: 4

Company: M&T BANK CORP
Filing Date: 2025-07-29
Form: 424B2
Chunk 4
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aylock Van, LLC          |     |           |  15,000,000 |
| Total                      |     | $         | 750,000,000 |

We expect that delivery of the Notes will be made against payment therefor on or about the closing date specified on the cover page of this pricing supplement, which will be on the second business day following the date the notes are priced (such settlement being referred to as “T+2”). Under Rule 15c6-1of the Securities Exchange Act of 1934, as amended, trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the Notes prior to the business day before delivery of the Notes will be required, by virtue of the fact that the Notes initially will settle in T+2, to specify an alternative settlement cycle at the time of any such trade to prevent a failed settlement and should consult their own advisor See “Plan of Distribution (Conflicts of Interest)” in the accompanying prospectus supplement for additional information. PS-7

MASTER GLOBAL NOTE

The information set forth under the headings “Recent Developments,” “Use of Proceeds,” “Certain United States Federal
Income Tax Considerations,” “Supplemental Information Concerning the Plan of Distribution” and “Legal Matters” are not terms of the Notes and shall not be deemed to be incorporated by reference into, set forth in, or form a
part of the master global note with respect to the Notes.

PS-8

LEGAL MATTERS

Certain legal matters relating to the validity of the notes will be passed on for us by Squire Patton Boggs (US) LLP. Sullivan &
Cromwell LLP advised the agents in connection with the offering. Sullivan & Cromwell LLP from time to time performs legal services for M&T and its subsidiaries.

PS-9