Company: MTB-PJ
Filing Date: 2025-06-11
Form Type: 424B2
Source: 0001193125-25-139262
Chunk: 1

Company: M&T BANK CORP
Filing Date: 2025-06-11
Form: 424B2
Chunk 1
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 |          |  11,250,000 |
| M&T Securities, Inc.          |     |          |  11,250,000 |
| 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 fifth business day following the date the notes are priced (such settlement being referred to as “T+5”). 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+5, 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-3

MASTER GLOBAL NOTE

The information set forth under the headings “Use of Proceeds,” “Certain United States Federal Income Tax Considerations,”
“Supplemental Information Concerning the Plan of Distribution,” “Concurrent Unregistered Offering” and “Validity of the Securities” 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-4

CONCURRENT UNREGISTERED OFFERING

In a concurrent unregistered offering (the “Concurrent Unregistered Bank Notes Offering”) by Manufacturers and Traders Trust Company
(“M&T Bank”), our bank subsidiary, M&T Bank is offering $750,000,000 aggregate principal amount of 4.762% fixed rate/floating rate senior bank notes due July 6, 2028 pursuant to its Bank Note Program. The closing of this
offering is not conditioned on the closing of the Concurrent Unregistered Bank Notes Offering and the closing of the Concurrent Unregistered Bank Notes Offering is not conditioned on the closing of this offering.

PS-5

VALIDITY OF THE SECURITIES

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