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.

I had a phone call regarding my escrow shortage in August before I left for a trip to London. When I came home I found out that the mortgage payment that I paid was not applied to my mortgage because I was still short. I was very frustrated so I called a second time and I got somebody who helped me and told me just pay this amount and then the amount that you wanted to pay for your monthly premium will be what you ask for. Just today I got another notice saying that my mortgage account has not been applied to my account and now I'm late because I was short I'm at payment. I am beyond frustrated. The right hand does not know what the left hand is doing in this company. I cannot wait to be done with this mortgage and I will never do business with this bank again. It is simply awful.

Customer service is horrible at this bank. They bought out my mortgage from my original bank and they have raise and raise my rates monthly. I was paying &1700 originally and as soon as they bought out my original bank I started paying $2200. If I need any type of assistance their customer service team is quickly to be defensive. Instead of listening to what I’m asking they talk to me like I’m an idiot. No care of helping a homeowner. Only care about their money. I never agreed to have them as a bank but for some reason I had no say in this. Look at all these bad reviews. You would think they would do something about it.

Took 3 calls to Hampton NH branch. Needed to speak with Kimberly & she was very abrupt; speaking with coworkers & coworkers speaking her as I was speaking. I asked if I should call back 'cause I really need help with the situation. She says, "No we'll always be busy so just tell what you need;" Rushed me; told me could not help me. Never finished explaining the situation that we needed to help resolve. So once, again no good customer service @ Hampton NH Branch; still cannot receive help.

Warning: Avoid M&T Bank for Mortgages – Worst Experience Ever. I’ve had the worst banking experience of my life with M&T Bank – especially with their mortgage department. I was going through a mortgage recast while pregnant, and the process has been nothing short of a nightmare. I made 13 phone calls over the course of a month just to get clarity on the process and ensure everything was done correctly. I completed the recast on July 31st, 2025, and the banker told me the administrative department would call within 3 business days. Guess what? No one ever called. Since then, I’ve been calling every single day, and each time I get different answers. At times, I’ve even felt like I’m dealing with a scam.

The employees and supervisors at this bank will lie to you, and if you pay off a loan at this bank, it might take you as long as 51 days to get your title! Think twice before you give them your business. I was lied to by the woman who took my payment to pay off the truck on July 9th. She said the title would arrive in 10 to 14 days. It didn't arrive.

Worst banking experience I have ever had. My family is starting a new business and received a $100,000 grant from our local City government as part of Project Restore, for the purpose of renovating our space and purchasing all equipment necessary for start up. We opened an account at M&T to receive the grant funds and get things going. Unfortunately, from DAY ONE it was nothing but hassles and frustrations. I have felt like M&T has been holding our grant funds hostage because every transaction we attempt is denied or flagged as a fraud alert.

I have a Anto/RV loan from M&T Bank. I received monthly statements and pay by check, until I made an online payment. After that all correspondence stopped and I no longer received a statement by mail. I went online to check it out and found that I was late on a payment that I hadn't received a statement for. I paid the payment and the next payment plus the late fee and requested the late fee be reimbursed I was given a payment confirmation number.. A representative took my information and the next day my main bank showed the withdraw. I checked M&T Bank 2 days later and found they had reversed the payment.

I called about interest paid on my vehicle for my taxes. I was asked for my SSN, I provided it, then the woman put me on hold for 33 minutes, then hanged up on me. While waiting, I called again from another phone and the experience was much better.

Never had a bank rep scream at top of his voice to me over the phone until today. I called M&T bank to make a car payment over the phone since my last bill pay check was not cashed AGAIN ON TIME. YEP, at this point I set up reminders to double check this payment EVERY MONTH because they are incompetent. I was not in the mood to indulge customer service rep "Scott" in his mansplaining on how to use my bill account and his condescending attitude for an additional 10 minutes and screaming at the top of his voice not to interrupt him when I asked to speak to a manager - but of course he transferred me to another agent not the manager. I'll be paying this off with another loan from a different bank. Never again will I do business with M&T.

This bank has been a nightmare for selling our home. The buyers of our home wanted to assume our VA loan, and we were quoted 90 days to close. Then they delayed it. Then, 2 days before closing, they informed us they weren't ready to close. They are basically holding our equity hostage and creating a nightmare for us and our buyers. I feel so trapped and helpless and will be pursuing recourse options. Absolutely the worst.

Received IN THE MAIL, an offer of $500 to open an account with direct deposits. I held my end of the deal and now they won't pay. They said it was only for New England states, and I am in NJ. So a.) why did I get the mailing and b.) why did they allow me to open this account using their promo code? SCAM, SCAM, SCAM.

Extremely disappointed. As a first-time homebuyer, I trusted M&T Bank with my mortgage process. Due to a serious error by one of their employees, I lost the condo I was approved for. No real accountability, just apologies and dismissiveness. I would never recommend them.

While on a family trip to Puerto Rico, one of our excursions was unexpectedly canceled at the location. I was handed a receipt for the refund and informed that my bank—M&T Bank—was responsible for releasing the funds back to my account. I urgently needed to book another excursion so my children wouldn’t be heartbroken, but the money was still being held by M&T. In the past, M&T had assisted me with releasing pending funds in emergencies, so I reached out to customer service with the hope they would do the same. Instead, I was met with resistance, indifference, and a lack of urgency. I was transferred multiple times and kept waiting, only to finally be connected with a supervisor (ID: **) who was cold, dismissive, and made it clear that my situation didn’t matter. This call happened on June 24th at 10 AM, a moment that left me feeling stranded, unsupported, and emotionally drained.

I have been with M&T for 12 years. Over time, this bank has gone way downhill. The most minor thing is the chips on the debit cards die in less than 2 years and you have to regularly order a new one. Now for the meat of the matter. Imagine being assessed a $75 late fee because their ridiculous Zelle limits caused you to have to pay late. (I am submitting a bill to M&T for this $75 because it is them, not me that caused this late payment.) Imagine calling them and being on hold for hours, then the customer service reps talk over you, then tell you there's nothing that can be done. I have no other way to pay my rent. I can't even get money orders because the chip on my card is dead and I'm still waiting for the new one to arrive. After 12 years, I am leaving this bank and never looking back. Absolutely atrocious now.

Just awful - in so many ways. With M&T offering a promo incentive of $350 for opening a new personal checking account, I thought I'd change my bank - BIG MISTAKE! The account was easy to open but afterwards, I found out the incentive was only $100 (IS THAT LEGAL?) and, since then, I've spent hours (honestly) waiting and getting bounced around with their "customer service" to enable an initial deposit to fund this account. I finally told them enough-is-enough and that I no longer wanted the new account and requested to check forget it. To add insult-in-injury, I was told there would be an fee for closing the account (AGAIN, IS THIS LEGAL??). STILL WAIITING FOR M&T CUSTOMER SERVICE... going on 4+ hours now.

The worst bank ever. I had a 75 month installment loan for my car. I made 67 out of 75 payments on time. I was late 8 times due my my divorce. Even though I made all payments and received my title, these guys are reporting my loan as a charge off. It is impacting my credit score by 100 points. I think they do it for tax purposes. How is it possible that I paid off the loan and they charge it off. It's very unfortunate.

No stars... First off terrible mortgage company. Took 6 months to finalize all of my paperwork. Made me do 3 appraisals. After all said and done they never locked in my first time home buyer loan. And the price was not what the previous homeowner and I had discussed. I know the old homeowner. Onto of it all my dad is the cosigner and I would get phone calls asking where is my husband.... I'm not married and never have been. Made sure all my paperwork said single. They sent me the wrong paperwork multiple times to the point my notary was confused and refused to sign because of the verbiage on documents stating that I was married to my dad... and there's more but yea shitty company.

I would not recommend this bank. Me and my friend have lost so much money from them! Someone wrote a check for almost $5,000 and they flagged it but they also allowed it without even notifying me and they closed my account and kept the money without asking. Save your friends and family. Please don't let them go to M&T!

If I could give no stars I would. I started a mortgage process through M & T a few weeks ago and it has been nothing short of a nightmare. Two months after being pre approved for a mortgage I found a house and soon was under contract. That's when the nightmare began. Two week after going into contract on the house M & T decides to pull the approval. Nothing has changed on my part. I had not made a large purchase or had any negative changes in my credit score in that two month time.

After the 3rd phone call.... Just trying to get a payoff amount, we finally get RUDE Help! The 1st lady, obviously couldn't help without the the Vin #. We don't get a bill it's paperless & we don't have the account #. It comes out automatic. After 4 calls, I requested the supervisor, he was nice & helpful!