# Convert M&T Bank CSV to QuickBooks (.QBO)

_Canonical: https://qbomaker.com/banks/m-t-bank.html_

M&T Bank is one of the more frustrating banks to get into QuickBooks. Its online banking leans heavily on PDF statements and a Direct Connect feed that only reaches back about 90 days, and when you do find a transaction export, it lands as a plain CSV/spreadsheet, not a tidy QBO Web Connect file. QuickBooks Online won't ingest that CSV without you re-mapping the Date, Description, and Amount columns by hand, and QuickBooks Desktop flat-out wants a .QBO. So bookkeepers end up stuck between a 90-day feed and a spreadsheet QuickBooks doesn't like.QBO Maker closes that gap. Take whatever M&T hands you, a downloaded CSV or an Excel export of your account activity, and convert it into a clean, valid .QBO (or .QFX / .OFX) that imports through QuickBooks' Web Connect / file-upload flow. It runs entirely in your browser, so your M&T account activity never touches a server, and there's nothing to install. If you only have PDF statements, you'll first need to get them into spreadsheet form; once you have a CSV with dates, descriptions, and amounts, drop it into the converter and you'll have a QuickBooks-ready file in seconds.

## Steps

1. Export your transactions from M&T Bank online banking as CSV or Excel.
2. Open the QBO Maker converter and drop the file in.
3. Confirm the auto-detected date, amount (or separate debit/credit) and description columns.
4. Choose .QBO as the output and click download.
5. In QuickBooks Online: Transactions → Bank transactions → Upload from file, then select the .QBO. In Desktop: Banking → Bank Feeds → Import Web Connect File.

**Does M&T Bank give you a QBO file for QuickBooks?**
No. M&T's online banking provides PDF statements and CSV/spreadsheet exports, plus a Direct Connect feed that only covers about 90 days. There's no native .QBO Web Connect download, so converting a CSV is the most reliable way to get a QuickBooks-ready file.

**I only have M&T PDF statements. Can QBO Maker use those?**
QBO Maker reads CSV, Excel and text-based PDFs (scanned/image PDFs need a CSV step first). You'll first need to get your M&T statement into a spreadsheet with Date, Description, and Amount columns. Once you have that CSV, the converter turns it into a clean .QBO.

**Will the converted file import into QuickBooks Desktop?**
Yes. The .QBO QBO Maker produces is a standard Web Connect file. In QuickBooks Desktop, go to Banking → Bank Feeds → Import Web Connect Files and select your converted file. For QuickBooks Online, upload it through Transactions → Upload from file.

**Is it safe to convert my M&T transactions here?**
Yes. Conversion happens entirely in your browser, nothing about your M&T account is uploaded or stored on a server. That privacy matters when you're working with real banking data.

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Convert free at https://qbomaker.com/#tool, runs entirely in your browser.