close
You are now leaving the peoples.com website and entering an external website.
Ok
Cancel
Important

You must have a People's United Bank personal checking account to access AlwaysChecking.

Don't yet have a checking account?

Explore checking

Skip to navigation Skip to main content Skip to login Skip to footer
People's United Bank, N.A, is now part of M&T Bank. Today, keep banking the way you always do. Learn more
menu
People's United logo with tagline, A division of M&T Bank
  • search
  • Log in Log in
arrow_drop_up
  • Personal
  • Business
  • Other
Your first time login in? Enter your United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Social Security Number of the person who created the original United Bank profile. For example, if the Social Security Number is 123-45-6789, your temporary password will be PuBK6789. You’ll be prompted to choose a new password for future use.
Invalid Character
Can't Log In? Enroll in Online Banking
AlwaysChecking Enroll/Login
Your first time logging in? Enter the new company ID that you will have received in a separate mailing followed by your existing United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Business Tax Identification Number belonging to the business entity that created the online profile. You’ll be prompted to choose a new password for future use.
Invalid Company ID
Invalid User ID
Can't Log In? Enroll in eTreasury+
  • Online Investing
  • Commercial Credit Cards
  • Client Point
  • Consumer Loan Servicing
  • LockBox Exceptions
  • LockBox Research
  • Personal Credit Card
  • United Bank Credit Card
  • Retirement iPlan
  • Shareholder Services
  • One-Time Loan Payment
  • PCLC Online Payments
Search search
Site Menu
  • Personal
    • Bank
      • ACCOUNTS & CARDS
      • Checking
      • Credit Cards
      • Debit Cards
      • Savings and Money Market
      • Certificates of Deposit (CDs)
      • IRAs
      • WAYS TO BANK
      • Bank on the Go
      • Bank from Home
      • Ways to Pay
      • How We Help Protect You
      • All Ways to Bank
    • Borrow
      • MORTGAGES
      • Mortgages
      • LOANS & CREDIT LINES
      • Home Equity Line of Credit
      • Personal Loans
    • Invest
      • WHAT MATTERS TO YOU
      • Plan for Retirement
      • Saving for Education
      • Charitable Giving
      • WORKING WITH US
      • Find an Advisor
      • About People's United Advisors
      • About People’s Securities Inc.
    • Insure
      • PROTECT WHAT MATTERS
      • Life Insurance
      • Annuities
      • Long Term Care
      • Long Term Disability
    • Learn
      • MOMENTS THAT MATTER
      • Buying a Home
      • Managing Your Money
      • Borrowing Smart
      • Family & Career
      • Protecting You
      • All Moments
      • FINANCIAL EDUCATION
      • M&T Money Mentor
  • Business
  • Wealth
  • ATM & Branch
  • Customer Support
  • About Us
  • Careers
  • About Us
  • Careers
  • Personal
  • Business
  • Wealth
  • ATM & Branch
  • Customer Support
Peole's United logo with tagline,  A Division of  M&T Bank
  • Bank arrow_drop_up
    • ACCOUNTS & CARDS
    • Checking
    • Credit Cards
    • Debit Cards
    • Savings and Money Market
    • Certificates of Deposit (CDs)
    • IRAs
    • WAYS TO BANK
    • Bank on the Go
    • Bank from Home
    • Ways to Pay
    • How We Help Protect You
    • All Ways to Bank
  • Borrow arrow_drop_up
    • MORTGAGES
    • Mortgages
    • LOANS & CREDIT LINES
    • Home Equity Line of Credit
    • Personal Loans
  • Invest arrow_drop_up
    • WHAT MATTERS TO YOU
    • Plan for Retirement
    • Saving for Education
    • Charitable Giving
    • WORKING WITH US
    • Find an Advisor
    • About People's United Advisors
    • About People’s Securities Inc.
  • Insure arrow_drop_up
    • PROTECT WHAT MATTERS
    • Life Insurance
    • Annuities
    • Long Term Care
    • Long Term Disability
  • Learn arrow_drop_up
    • MOMENTS THAT MATTER
    • Buying a Home
    • Managing Your Money
    • Borrowing Smart
    • Family & Career
    • Protecting You
    • All Moments
    • FINANCIAL EDUCATION
    • M&T Money Mentor
  • search
  • Log in
arrow_drop_up
  • Personal
  • Business
  • Other
Your first time login in? Enter your United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Social Security Number of the person who created the original United Bank profile. For example, if the Social Security Number is 123-45-6789, your temporary password will be PuBK6789. You’ll be prompted to choose a new password for future use.
Invalid Character
Can't Log In? Enroll in Online Banking
AlwaysChecking Enroll/Login
Your first time logging in? Enter the new company ID that you will have received in a separate mailing followed by your existing United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Business Tax Identification Number belonging to the business entity that created the online profile. You’ll be prompted to choose a new password for future use.
Invalid Company ID
Invalid User ID
Can't Log In? Enroll in eTreasury+
  • Online Investing
  • Commercial Credit Cards
  • Client Point
  • Consumer Loan Servicing
  • LockBox Exceptions
  • LockBox Research
  • Personal Credit Card
  • United Bank Credit Card
  • Retirement iPlan
  • Shareholder Services
  • One-Time Loan Payment
  • PCLC Online Payments
close
How can we help ?

How Do I Improve My Credit Score?

Every year, make your free request for all three credit reports and check your reports and your score. Repair your credit history if you have had problems.

A woman in a yellow shirt and gray sweater gets the debit card from her green wallet to pay a bill or make a purchase from her laptop at home



Manage your credit responsibly. Make payments on time and, if possible, pay your balances in full each month. And open new credit accounts responsibly.

  • If you have no credit cards, consider opening a credit card account and maintaining small balances that you can pay off on time. Credit agencies consider having no credit cards a potential credit risk.
  • Don’t move debt from card to card, or borrow to pay off loans. Credit agencies are wise to this—you may actually lower your score by owing the same amount in fewer accounts.
  • Don’t open credit cards that you don’t need.
  • If you’re young or are new to using credit, don’t open a lot of new accounts at the same time. The lower your average account age, the lower your credit score if you are a new borrower.
  • Shop for one kind of loan at a time. Credit agencies can tell the difference between shopping for one loan and searching for many new credit lines. The latter is suspicious.
  • Remember, you won’t raise your score by closing credit cards.

Of course, there is a price to borrowing money. And that price can vary depending on your ability to pay, the likelihood that you will pay off your debt on time and in full, and the collateral you have to back up the debt. The best credit deals—the biggest amounts of credit at the lowest rates—typically are offered to those with the best credit history.

That could be you, if you can build and maintain a good credit history.

Related Links

Why Do I Need Credit?

What is a Credit Report?

How Do I Get a Credit Report?

Is My Credit Report Accurate?

What Affects My Credit Score?

On April 2, 2022, People's United Bank, N.A. merged into M&T Bank. It is now part of M&T Bank and its former branches and most services will operate as the People's United division of M&T Bank until we complete the integration of our systems later in 2022. M&T Bank is a Member FDIC, Equal Housing Lender and Equal Opportunity Lender.

By using People's United Online Banking, you agree to the People's United Electronic Services Agreement.

ABOUT
  • About Us
  • Careers
  • Community
  • Press Room
  • Investor Relations
SITES
  • Personal
  • Business
  • Wealth
  • Site Feedback
SERVICE AND SUPPORT
  • Support Center
  • Security Center
  • Find a Branch
  • Mobile Banking
  • Online Banking
TERMS & CONDITIONS
  • Privacy
  • Online Terms
  • Servicemember Information
  • Accessibility Options
Peole's United logo with tagline,  A Division of  M&T Bank