{"id":"mtb_com","version":"1.0","url":"https://www.mtb.com","host":"mtb.com","name":"M&T Bank","category":"bank","generatedAt":"2026-10-11T03:12:52.606Z","durationMs":75492,"checks":[{"id":"robots_assistants","door":"discover","title":"Robots policy for user triggered agents","status":"partial","points":2,"maxPoints":4,"finding":"Some user triggered agents are restricted in robots.txt.","evidence":[{"label":"ChatGPT User","value":"partly restricted","url":"https://www.mtb.com/robots.txt"},{"label":"Claude User","value":"partly restricted","url":"https://www.mtb.com/robots.txt"},{"label":"Perplexity User","value":"partly restricted","url":"https://www.mtb.com/robots.txt"},{"label":"Gemini Deep Research","value":"partly restricted","url":"https://www.mtb.com/robots.txt"}],"why":"When a customer asks an agent to look something up, it fetches the page as a user triggered agent. A site that blocks those agents cannot be consulted.","fix":"Allow the ChatGPT User, Claude User and Perplexity User agents in robots.txt for public product, pricing and help pages.","test":"web"},{"id":"llms_txt","door":"discover","title":"llms.txt guide for agents","status":"fail","points":0,"maxPoints":3,"finding":"No llms.txt file was found at the site root.","evidence":[{"label":"Checked","value":"/llms.txt and /llms-full.txt"}],"why":"An llms.txt file gives an agent a short map of what you offer and where the authoritative pages are.","fix":"Publish /llms.txt with links to product, pricing, support and location pages.","test":"web"},{"id":"structured_data","door":"discover","title":"Structured data on the home page","status":"pass","points":3,"maxPoints":3,"finding":"Structured data for products, services or questions found: BankOrCreditUnion.","evidence":[{"label":"Type","value":"WebSite"},{"label":"Type","value":"Organization"},{"label":"Type","value":"BankOrCreditUnion"}],"why":"Schema.org markup lets an agent read products, prices and questions as data instead of guessing from the layout.","fix":"Add JSON LD for your organization type, Product or Service, Offer and FAQPage on the pages customers ask about most.","test":"web"},{"id":"server_rendered","door":"discover","title":"Content available without running scripts","status":"pass","points":3,"maxPoints":3,"finding":"Most of the visible text is in the first HTML response.","evidence":[{"label":"Text in first response","value":"8579 characters"},{"label":"Text after scripts","value":"8193 characters"}],"why":"Many agents read raw HTML and do not run scripts. Text that appears only after scripts run is invisible to them.","fix":"Render product, pricing and help content on the server so the first response contains the text.","test":"web"},{"id":"sitemap_content","door":"discover","title":"Sitemap that includes help and pricing pages","status":"pass","points":2,"maxPoints":2,"finding":"Sitemap lists 1592 entries including help, pricing, product pages.","evidence":[{"label":"Sitemap","value":"https://www.mtb.com/sitemap.xml","url":"https://www.mtb.com/sitemap.xml"}],"why":"A sitemap tells an agent where answers live. That cuts wrong guesses and stale pages.","fix":"Publish a sitemap that includes help center, pricing and product pages.","test":"web"},{"id":"mcp_server","door":"connect","title":"MCP server","status":"fail","points":0,"maxPoints":8,"finding":"No MCP server, server card or registry entry was found for this organization.","evidence":[{"label":"Checked","value":"5 hosts, well known paths, live endpoints and the official registry"}],"why":"An MCP server is the native way for an agent to use your services with the customer's approval. It replaces screen scraping and password sharing.","fix":"Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well-known/mcp/server-card.","test":"web"},{"id":"a2a_agent_card","door":"connect","title":"Agent card for agent to agent calls","status":"fail","points":0,"maxPoints":2,"finding":"No agent card was found.","evidence":[],"why":"An agent card lets other agents discover what your own agent can do and how to authenticate.","fix":"Publish /.well-known/agent-card.json describing skills and authentication.","test":"web"},{"id":"openapi_docs","door":"connect","title":"Public API documentation","status":"fail","points":0,"maxPoints":3,"finding":"No public API documentation was found.","evidence":[],"why":"A published OpenAPI document lets developers and agents build against stable, described endpoints.","fix":"Publish an OpenAPI document for customer facing APIs on a developer portal.","test":"web"},{"id":"open_banking","door":"connect","title":"Developer and data sharing program","status":"fail","points":0,"maxPoints":4,"finding":"No developer portal or data sharing program was found on public pages.","evidence":[],"why":"A data sharing program with a developer portal and standard APIs gives agents a consented path to customer data. Open banking is the best known example.","fix":"Document the program, the standard in use (for example FDX in US banking), the supported partners and a sandbox.","test":"web"},{"id":"webmcp_tools","door":"connect","title":"Browser tools exposed to agents","status":"fail","points":0,"maxPoints":3,"finding":"The sign in and home pages register no browser tools for agents.","evidence":[],"why":"WebMCP lets a page register tools that a browser agent can call directly instead of clicking through the interface.","fix":"Register tools for safe tasks such as location search and price lookup with navigator.modelContext.","test":"web"},{"id":"poppy_discovery","door":"connect","title":"Poppy file for personal agents","status":"unknown","points":0,"maxPoints":0,"bonus":0,"bonusMax":3,"finding":"The site refused the scanner at the Poppy address, so the file could not be checked.","evidence":[{"label":"Address checked","value":"https://www.mtb.com/.well-known/poppy.json","url":"https://www.mtb.com/.well-known/poppy.json"}],"why":"Poppy is an open draft standard from Sierra and Meta. A company publishes one small file that tells a customer's personal agent how to find it, how the customer signs in and which route to use: the company's own agent, an API or the website. Eight launch partners and dozens of design partners back it.","fix":"Publish a poppy.json file in the well known folder of your website. It names your organization, your sign in server and at least one route. Then make your sign in server list your domain in poppy_domains. The standard is a draft, so treat this as early work.","test":"web"},{"id":"oauth_metadata","door":"identity","title":"OAuth and OpenID metadata","status":"pass","points":5,"maxPoints":5,"finding":"Authorization server metadata is published at login.mtb.com.","evidence":[{"label":"Issuer","value":"https://login.mtb.com/","url":"https://login.mtb.com/.well-known/openid-configuration"},{"label":"Grant types","value":"authorization_code, implicit, client_credentials, refresh_token"},{"label":"Scopes listed","value":"3"}],"why":"Published authorization server metadata tells a client where to send a customer to approve access.","fix":"Publish /.well-known/oauth-authorization-server and /.well-known/oauth-protected-resource for the customer facing APIs.","test":"web"},{"id":"pkce_registration","door":"identity","title":"PKCE and client registration","status":"partial","points":2,"maxPoints":4,"finding":"Part of the approval and onboarding path is published.","evidence":[{"label":"PKCE S256","value":"supported"},{"label":"Dynamic registration","value":"not listed"},{"label":"Client ID metadata documents","value":"not listed"}],"why":"PKCE protects the approval step. Dynamic registration or client metadata documents let a new agent onboard without a manual review each time.","fix":"Require PKCE with S256 and support client ID metadata documents or dynamic client registration for approved agent clients.","test":"web"},{"id":"passkeys","door":"identity","title":"Passkeys at sign in","status":"fail","points":0,"maxPoints":4,"finding":"No passkey signal was found on the sign in page or in the published pages read. A prompt that starts only after a person types is not visible to the scan.","evidence":[],"why":"A passkey lets a customer approve an agent action with a device gesture. It removes the passwords and one time codes that agents cannot handle.","fix":"Offer passkeys with conditional UI on the sign in page and for step up approvals.","test":"login"},{"id":"high_assurance","door":"identity","title":"High assurance authorization profile","status":"fail","points":0,"maxPoints":3,"finding":"No high assurance authorization features were found.","evidence":[],"why":"Pushed authorization requests, sender constrained tokens and rich authorization requests let a provider approve one specific action instead of a blanket login.","fix":"Support PAR with DPoP or mutual TLS, and rich authorization requests for payments and account changes.","test":"web"},{"id":"delegate_access","door":"identity","title":"Documented delegate and data sharing controls","status":"pass","points":4,"maxPoints":4,"finding":"Public pages describe both delegate access and data sharing controls.","evidence":[{"label":"Delegate access","value":"…is the individual who enrolls a Business for the Digital Services. That person must be an authorized signer (or, for Business Credit Card accounts, a cardholder) on ALL Eligible Accounts enrolled in the Digital Services.…","url":"https://www.mtb.com/dsa"},{"label":"Data sharing","value":"…tools and features are intended for your informational purposes only. M&T Money Smart relies on data aggregation technology and non-M&T-affiliated third parties that offer or provide External Bank Accounts (“External Bank…","url":"https://www.mtb.com/dsa"},{"label":"Delegate access","value":"…at 1-800-790-9130, Monday–Friday, 8am–9pm ET and Saturday–Sunday, 9am–5pm ET. M&T Cards How do I add an authorized user to my credit card? Log in to M&T Online Banking. Click or hover over the Services tab and select Add Authorized User…","url":"https://www.mtb.com/personal/online-and-mobile/faqs"}],"why":"Customers need a place to see and revoke what an agent can do. Organizations need a documented route for authorized agents.","fix":"Publish a help page on delegate access and add a connected apps screen where customers revoke access.","test":"web"},{"id":"declared_agent_homepage","door":"web","title":"Home page for a declared agent","status":"pass","points":3,"maxPoints":3,"finding":"The home page loaded normally for a declared agent.","evidence":[{"label":"Status","value":"200"},{"label":"Response time","value":"458 ms"}],"why":"A declared agent that is challenged or blocked at the first step cannot help the customer at all.","fix":"Allow declared agents through bot management on public pages, and verify them with signed requests.","test":"login"},{"id":"signin_reachable","door":"web","title":"Sign in page loads for a declared agent in a browser","status":"pass","points":4,"maxPoints":4,"finding":"The sign in page loaded in a browser for a declared agent.","evidence":[{"label":"Declared agent","value":"loaded in 12755 ms"},{"label":"Standard browser","value":"loaded in 12010 ms"},{"label":"Page","value":"https://www.mtb.com/log-in","url":"https://www.mtb.com/log-in"}],"why":"Where a customer must use the website, a browser agent has to reach the sign in page so it can hand control back to the customer.","fix":"Serve the sign in page to verified agent browsers, and use signed agent identity to separate them from attackers.","test":"login"},{"id":"agent_browser_parity","door":"web","title":"Same behavior for a declared agent and a standard browser","status":"pass","points":2,"maxPoints":2,"finding":"A declared agent and a standard browser got the same result.","evidence":[{"label":"Declared","value":"loaded"},{"label":"Browser","value":"loaded"}],"why":"If a declared agent is treated worse than an anonymous browser, honesty is penalized and agents will hide what they are.","fix":"Do not rank declared agents below anonymous browsers in bot management policy.","test":"login"},{"id":"form_semantics","door":"web","title":"Sign in form structure and autofill hints","status":"fail","points":1,"maxPoints":4,"finding":"50 percent of 2 fields have labels and 0 percent set autocomplete hints.","evidence":[{"label":"textarea field","value":"no label; autocomplete: none"},{"label":"text field","value":"Search; autocomplete: none"}],"why":"Labels and autocomplete hints let an agent and a password manager find the right field and hand over to the customer at the right moment.","fix":"Label every field and set autocomplete values for the username, the current password and the one time code.","test":"login"},{"id":"semantic_markup","door":"web","title":"Semantic page structure","status":"partial","points":1,"maxPoints":2,"finding":"The page structure is only partly readable by agents.","evidence":[{"label":"Landmarks","value":"4"},{"label":"Headings","value":"3"},{"label":"Named controls","value":"100 percent"},{"label":"Images with alt text","value":"11 percent"}],"why":"Landmarks, headings and named controls let an agent read the page the way a screen reader does.","fix":"Use landmark elements, headings in order, accessible names on buttons and alt text on images.","test":"login"},{"id":"terms_stance","door":"policy","title":"Terms on automated access","status":"pass","points":4,"maxPoints":4,"finding":"The terms address delegates and do not restrict automated access.","evidence":[{"label":"Terms excerpt","value":"…the individual who enrolls a Business for the Digital Services. That person must be an authorized signer (or, for Business Credit Card accounts, a cardholder) on ALL Eligible Accounts enrolled in the Digital…","url":"https://www.mtb.com/dsa"}],"why":"Terms that prohibit all automated access with no exception make every agent a violation, even when the customer authorized it.","fix":"Add an exception for authorized agents acting for the customer through approved interfaces.","test":"web"},{"id":"third_party_rules","door":"policy","title":"Third party access and data sharing rules","status":"partial","points":1.5,"maxPoints":3,"finding":"Third party access is mentioned briefly.","evidence":[{"label":"Excerpt","value":"…may verify your External Bank Accounts using methods which require you to accept the Third-Party Verifier’s terms of use (the “Third-Party Verifier Terms”) and provide the Third-Party Verifier with credentials (such as usernames, passwords, answers to security questions, and multi-factor authentic…","url":"https://www.mtb.com/dsa"}],"why":"Published rules tell customers and developers what is allowed. That keeps agents on approved paths.","fix":"Publish a third party access policy that names the approved interfaces and the consent model.","test":"web"},{"id":"ai_position","door":"policy","title":"Published position on AI agents","status":"partial","points":1,"maxPoints":3,"finding":"AI is mentioned in published documents, but not agents that act for customers.","evidence":[{"label":"Excerpt","value":"…third parties from re-identifying you; and our Aggregation Vendor creating and using artificial intelligence, machine learning, or similar automated technologies (“AI”), to support the operation, functionality, and…","url":"https://www.mtb.com/dsa"}],"why":"A public position tells customers whether an agent acting for them is welcome, and under what conditions.","fix":"Publish a page that states how customer agents are handled and where to connect them.","test":"web"}],"homeAgentFetch":{"status":200,"ms":458,"bytes":256087,"blocked":false,"thin":false},"login":{"url":"https://www.mtb.com/log-in","source":"link on home page","validated":true,"candidates":[{"url":"https://www.mtb.com/log-in","source":"link on home page"},{"url":"https://www.mtb.com/personal/online-and-mobile/faqs","source":"link on home page"},{"url":"https://www.mtb.com/wilmington-advisors/manage-my-account","source":"link on home page"},{"url":"https://www.mtb.com/login","source":"link on home page"},{"url":"https://www.mtb.com/signin","source":"common path"},{"url":"https://www.mtb.com/sign-in","source":"common path"}],"menu":{"clicked":false,"label":null,"navigatedTo":null,"linkCount":0,"hasPasswordField":false},"shots":{"agent":"/data/shots/mtb_com_login_agent.jpg","browser":"/data/shots/mtb_com_login_browser.jpg","home":"/data/shots/mtb_com_home.jpg","menu":null},"agent":{"finalUrl":"https://www.mtb.com/log-in","status":200,"title":"Log in to M&T Online Banking or Commercial Treasury Center | M&T Bank","ms":12755,"blocked":false,"blockReason":null,"thin":false,"uaLabel":"declared agent","error":null,"vendors":[{"name":"Cloudflare","evidence":["cookie __cf_bm"]}],"textPreview":"___ Skip to Main Content Skip to main content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Search About M&T Bank Locations Help Center Español Visit mtb.com Personal Business Commercial Simplify your finances with M&T CHOICEquity's"},"browser":{"finalUrl":"https://www.mtb.com/log-in","status":200,"title":"Log in to M&T Online Banking or Commercial Treasury Center | M&T Bank","ms":12010,"blocked":false,"blockReason":null,"thin":false,"uaLabel":"browser","error":null,"vendors":[{"name":"Cloudflare","evidence":["cookie __cf_bm"]}],"textPreview":"___ M&T Website Cookies & Your Privacy We require the use of certain cookies and visitor tags that are needed to ensure proper website functionality and operation (essential services), and there is no ability to opt out of their use. We also use other cookies "},"botDefense":[{"name":"Cloudflare","evidence":["cookie __cf_bm"]}],"passkeys":{"found":false,"runtimeObserved":false,"evidence":[]},"fields":[{"type":"textarea","label":"","autocomplete":"","name":"g-recaptcha-response"},{"type":"text","label":"Search","autocomplete":"","name":"keyword"}]},"protocols":{"mcp":{"cards":[],"endpoints":[],"resources":[],"registry":{"checked":true,"matches":[]},"mentions":[],"found":false,"live":false,"protectedByOAuth":false,"registryListed":false,"checkedBases":5},"a2a":{"found":false},"aiPlugin":{"found":false},"agentsJson":{"found":false},"openapi":{"found":false},"poppy":{"found":false,"blocked":true,"unreachable":false,"tried":[{"host":"www.mtb.com","status":403},{"host":"mtb.com","status":403}],"url":"https://www.mtb.com/.well-known/poppy.json"},"llms":{"llmsTxt":{"found":false,"status":404,"url":"https://www.mtb.com/llms.txt","bytes":125515,"links":0,"preview":null},"llmsFull":{"found":false,"status":404,"url":"https://www.mtb.com/llms-full.txt","bytes":125515,"links":0,"preview":null}},"robots":{"found":true,"status":200,"url":"https://www.mtb.com/robots.txt","bytes":763,"sitemaps":["https://www.mtb.com/sitemap.xml"],"managedAI":false,"agents":[{"agent":"ChatGPT-User","vendor":"OpenAI","kind":"assistant","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"Claude-User","vendor":"Anthropic","kind":"assistant","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"Perplexity-User","vendor":"Perplexity","kind":"assistant","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"Gemini-Deep-Research","vendor":"Google","kind":"assistant","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"GPTBot","vendor":"OpenAI","kind":"crawler","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"ClaudeBot","vendor":"Anthropic","kind":"crawler","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"OAI-SearchBot","vendor":"OpenAI","kind":"search","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"PerplexityBot","vendor":"Perplexity","kind":"search","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"Google-Extended","vendor":"Google","kind":"crawler","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"Applebot-Extended","vendor":"Apple","kind":"crawler","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"CCBot","vendor":"Common Crawl","kind":"crawler","allowed":"partial","rule":"16 disallowed paths","via":"*"},{"agent":"Bytespider","vendor":"ByteDance","kind":"crawler","allowed":"partial","rule":"16 disallowed paths","via":"*"}],"assistantsBlocked":[],"assistantsAllowed":[],"crawlersBlocked":[],"error":null},"sitemap":{"found":true,"url":"https://www.mtb.com/sitemap.xml","entries":1592,"isIndex":false,"hasHelp":true,"hasRates":true,"hasProducts":true},"webmcp":{"found":false,"tools":[],"declarativeForms":0,"markupHint":false},"structuredData":["WebSite","Organization","BankOrCreditUnion"]},"identity":{"found":true,"servers":[{"issuer":"https://login.mtb.com/","url":"https://login.mtb.com/.well-known/openid-configuration","host":"login.mtb.com","s256":true,"pkceMethods":["plain","S256"],"dcr":false,"cimd":false,"par":false,"parRequired":false,"dpop":false,"mtls":false,"rar":false,"privateKeyJwt":true,"grantTypes":["authorization_code","implicit","client_credentials","refresh_token"],"scopes":["offline_access","offline","openid"],"acrValues":[],"deviceFlow":false,"tokenExchange":false,"clientCredentials":true,"fapiLike":false}],"checkedHosts":15,"answeredHosts":6,"silentHosts":["secure.mtb.com","auth.mtb.com","sso.mtb.com","id.mtb.com","signin.mtb.com","accounts.mtb.com","developer.mtb.com","digital.mtb.com","connect.mtb.com"]},"openBanking":{"pages":[],"portal":null,"fdx":false,"rule1033":false,"openBanking":false,"sandbox":false,"oauth":false,"dataAccessAgreement":false,"aggregators":[],"found":false},"policy":{"stance":"conditional","documentsRead":4,"termsRead":2,"prohibits":[],"delegation":[{"type":"delegation","label":"Addresses delegates or agents","excerpt":"…the individual who enrolls a Business for the Digital Services. 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We understand what's important. That's why we've built a banking experience with you in mind. 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