M&T Bank Reviews

I have been a customer of M&T Bank since 2011, when it acquired Wilmington Trust. For the most part, I was generally satisfied with the bank and the service I received. Recently, I was sent a threatening letter, saying that if I did not call and verify my information that they would first freeze and then close my account. I understand KYC requirements, but sending this type of threatening letter as a first notice is ridiculous. I called the number provided, verified my information with the representative I spoke with, and was assured that the issue was resolved. A month later, without any notice or explanation, the bank freezes my account and starts sending notices to creditors that payments will not be processed. This is not only embarrassing to me, but casts me in a negative light with my creditors.

I have been a loyal customer of this bank for years, and I am extremely disappointed with how they handled a recent situation. My son was unfortunately scammed into depositing a fraudulent check, and as soon as I found out, I immediately contacted the bank to report it. I acted in good faith, explained what happened, and asked for guidance. Instead of supporting me as a long-time customer who was trying to do the right thing, the bank chose to close all of my accounts. This was very upsetting because I was the one who reported the fraud and sought help. I expected understanding and protection, not punishment for being honest. I hope the bank reevaluates how they treat loyal customers who come forward with concerns. This experience left me feeling unsupported at a time when I needed assistance the most.

I recently was hacked. Thiefs got my M&T debit card online and charged 200.00 on it for an egift card. M&T supposedly investigated but determined this purchase was not fraudulent & reversed my "provisional credit" of $200.00. $200.00 may not sound like a lot but it's hard to lose especially around the holidays. But, I feel the worse is that they made me feel like I'm the thief! My son who works in cyber security was able to determine that these people were from overseas that got into my PC and he had to wipe my comp. M&t bank did not have my back, some investigation!! (I have been hacked before with credit cards & the credit card co. has always had my back.) I am looking for another bank, have been a loyal customer for many years, first time my M&T debit card has been compromised & this is what this bank did for me!!

Obtained a $15k HELOC through M&T and the whole process was at a snail's pace because of the complete lack of communication between their departments. Then after I finally get the loan and it's deposited in my TD account I find out that I am unable to set up online payments because I don't have a M&T bank checking account. That makes ZERO sense as I can in fact use my TD checking to pay my M&T MORTGAGE. Yes, you read that correct. Don't use M&T.

I am in the middle of buying a house in Little Falls NY & M&T Bank received my certified check for over half a million Dollars. They Froze the check and said it was a fraud check. I sent them all documents to prove it's real, my local bank manager called them to verify it's valid and informed M&T bank and sent image of check that they cashed it and shows M&T bank has those funds and my bank paid it out. M&T bank is committing fraud and still will not release the funds. Samantha at that bank is not willing to help in any way. Beware to those who decide to bank there. I am still trying to resolve this with my Attorneys.

Worse customer service ever. Quote a rate for a long and it changes from 7.5 on phone to 7.75% when going to sign forms then add 150 document fee. The cost to print loan agreement. Change interest to over 9% was told it was a way for bank to make more money. Asked to speak to vice president. Was told they would call. Got loan on Sofi in less than a day. Talked to Dennis president. He really didn't care. Believed his loan officers who changed their story.. I didn't need anything other than not having other disabled vets like me hit with bait and switch interest rates.

🚨 M&T Bank — People need to hear this. 🚨 I’ve always had clean payment history, and I’ve always paid on time. Then during M&T Bank’s transition, my January payment was lost on THEIR end — not mine. Instead of correcting their mistake, they marked me 30 days late. At the same time, we had a serious emergency at home: A bathroom leak that caused mold, and with small children, this became a health risk. I reached out under hardship, explained everything, and asked for help.

Contact customer service, I was holding for two hours. After waiting for long hours was disconnected, very disappointed in this bank, I can't wait my cd will due, I have to close my account, worst bank I'm dealing with.

We were in a FEMA forbearance plan as a result of hurricanes Helene and Milton. M&T Bank purchase our mortgage during that time and forced us into a loan restructuring that has ruined our credit, despite the fact that we only sought assistance for 2 payments during the forbearance period. Their practices are deceptive and their single point of contact team fails to provide consistent or knowledgeable service. We will be glad to be rid of this bank that we never chose.

Horrible customer service, and business practices, I purchased a vehicle for my company and this is who the dealership arranged the financing through. Initially no issues but by the time the 4th payment was due I did not receive the bill until September 30 for the October 1st payment, even after calling in the middle of September requesting it. The check was written and sent out on September 30th. On October 14, I receive a text stating that my payment was late and to call the 800 number. Once I was finally able to speak with someone it did not get any better she was completely unconcerned and when I explained the situation all she would say is we've been haven't trouble wit the mail and the due date is the due date.