M&T Bank Reviews

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!

My original mortgage company sold my mortgage to M&T. They are absolutely terrible. They keep transferring you to other departments that only tell you that it’s some other departments' problem. I am a disabled combat veteran in Texas where my property taxes are exempt. It’s been a year now and my escrow account still isn’t reflecting that exemption. I was told to wait until the 2024 taxes came out for the change. Now they said I have to wait for the 2025 taxes to come out before they can adjust it.

I got a auto loan through the dealership, but the bank do not allow me to do payments to the principal, I do not understand why, I had auto loan before and they allow to do this. I think you should have options. At the end, it is my money. No chat support, there is no bank in my state to go in person.

Our home loan was sold to M&T bank in July, the auto pay required that we speak to an agent, it wasn't Enrolled. Payments due on the 1st were not auto paid. There was no digital notice from the bank, just a credit downgrade from our Credit Union. In fact, mortgages don't have the ability to add alerts. I don't have any emails from them since Sept 2 when I reset my password and setup auto pay with them.

RUN. RUN! If you get behind, they won't take your money! They will pressure you into taking a higher interest mortgage at 40 years to 'lower' your payment. They told me to skip two payments when I hit a hardship over one missed payment (I had never missed a payment in three years), and they said after the second payment was behind, they would wrap it interest-free to the end of the mortgage to have me current. THEY LIED! I'm being held hostage and threatened with foreclosure all because I listened to them. It's a scam! Run!

Updated on 10/13/2024: It’s been a week now and my account is still on hold because of a grumpy customer service rep at the bank that is constantly threatening to close my account. I haven’t been able to pay bills or use my own money. This is totally absurd.

I live and work on the east end of Long Island I have dealt with this bank that has changed names over the years for at least 40 years. Now is M&T Bank by far the worst ever. Recently all the women that worked at the bank have been transferred somewhere else and there is only males working now in my bank East Hampton New York. I'm a guy and it's not about whether a male or female is working. I am just making comment that the entire staff is gone and new people are there now. None of the men know me so I have to show my ID each and every time. None of them seem to really know how to work the machines or deal with customers what used to take 30 seconds to get my withdraw or deposit trans taken now takes like 10 minutes at least. They seem totally untrained and don't have a clue what they're doing the machines all seem to be broken or they just don't know how to use them. Absolute worst bank I've ever dealt with. Thinking about for the first time in 40 years changing locations and finding a real bank.

9/26 I opened my account, and nothing looks wrong. There was no hint I needed further action or documents. 9/29 I received a DocuSign email, filled it and scanned my ID online. 10/2 I still cannot fund the account, all my deposits have been reversed. M&T csr says "it's still under review that's why it's frozen. You can wait until Thursday to call back." 10/4 My two savings accounts that I used to fund the M&T account both got reversed and frozen (that I have to call each to resolve it).

Don’t even consider M&T bank. You absolutely CANNOT trust them with your money! I attempted to send a Zelle payment (an app that M&T gave me with my account. It’s connected right to my account so it wasn’t anything I had to download. They blocked the payment then put a fraud hold on my account. This was 4 days ago now. I called the day they placed the hold and was 1st told that I had “a legal hold”. I am a paralegal and the true meaning of a legal hold would be a freeze of the account by a creditor you owe money to. I knew that wasn’t possible as they would have to have a judgment and I don’t even have any accounts in collections. They refused to tell me who the hold was from or give me any further info. I had just received my tax refund of 6k 2 days prior to this so I had a literal panic attack. I was blocked from my online banking and branches were closed.

This bank is one of the worst banks to go to. The online banking kicks me out 24/7 and customer service does no help once so ever. I would not recommend this bank to anyone. Not even my worst enemies.

M&T is the worst banking experience I have ever had. I opened my account by depositing a US Treasury check. The bank put a hold on the account so they can investigate my deposit. A month later, the account is on hold. Customer Service 800 number suggested that I close the account at the branch. Branch manager says he can’t close the account because the funds are still on hold.

This bank freaking sucks. I try to purchase things and they keep making my card decline because they count it as fraud. How the freak is it a fraud if I have not call my self it was? Like I can’t purchase anything. They canceled my Amazon order and most of all online orders, like why? They acting like they are the owner of my card.

My mortgage got transferred to M&T Bank about a month after I closed. As soon as I was informed of the change, I set up my account and registered for autopay so that I wouldn’t have to worry about missing any payments. Fast forward 2 months later - I find out that because I set up my autopay “too close” to when the payment was due, it never registered properly. I set up the autopay on 5/28 and set the payment date to 6/1!!!! I was never notified by email that the payment didn’t go through, and because the first payment didn’t go through, neither did the 2 that followed. I only found out when I got a call from the bank.

I don’t know what’s happened with MT Bank since I have not had nothing but a calamity of errors since they took over People's. When they took over People's, they did not give us access to our checking records on-line. I needed them to do my taxes and they accommodated me by sending a thick wad of papers with every transaction on it. Nearly impossible to navigate. Immediately afterwards, system-wide, they bounced a bunch of checks and sent out an apology letter to everyone. Subsequently they sent two mortgage payments out of my online checking account. They claimed I had two accounts, but that had never happened before. Regardless, I called them, they told me it was rectified, and then the next month sent out two mortgage checks again. It takes months to get a refund from a servicer.

M&T Bank has been a pleasure to deal with the past several years. I guess all went well because I was paying my car loan off. Well I finished paying the loan off and requested a release of lien. So I call customer service and was instructed to go to a local branch and they will get me the release. That didn't happen, the branch manager stated I needed to wait 7-10 days and it will be mailed to me. Fast forward 7-10 days I get a the letter for the wrong car. One that was already paid off two years prior.

Poor excuse of a bank. They are absolutely terrible to work with. We have been going through so many issues with them since day one. They’re a bunch of liars and love to dish out false promises to earn business. Then they don’t want to answer questions and then say they have all the documents they need, just to turn around last minute and demand random stuff. They also start to block/ignore calls, forcing people to call on blocked numbers to get any kind of response. How are they still in business?!? Do not recommend in the slightest. Stay FAR away.

HORRIBLE CUSTOMER SERVICE. DON'T EVER USE THIS BANK! They are holding my lien release beyond what is legal in Virginia. They are the worst bank I have ever used. I have been told so many varying stories that I don't know what to believe.

M&T Bank bought my mortgage loan in 2019. They are absolutely 100% horrible to deal with! They harass, belittle, shame, lie to customers, break the laws, try to guilt mortgagees aka homeowners into making payments even after customer has signed up for government programs due to Covid & not getting the vaccines, even after receiving the customer's application number. They are not honest with customers about individual state laws pertaining to customers verbally stating, they are not allowed to call them anymore due to the harassment from their collection department employees! ONE OF THE WORST BANKS TO HAVE MORTGAGE WITH, FACTS!!!

M & T closed my account without notifying me. The bank returned deposits and mailed my entire balance in a check without notifying me. They claim to have sent a request to verify my information was the same through the US mail, but when they didn’t hear back (because I did not receive it) they closed the acct without a single phone call or email. I’m just lucky I didn’t send anyone a check as I could have been accused of writing bad checks.

This bank is THE WORST I have ever dealt with. I have been waiting on an overpayment refund check for weeks. I have reached out to them several times a week to get information on where my money is. I was assured the check had been mailed out on the date given to the PO Box provided, but I advised I still had not received it. Today I contacted them again and was told that the check was mailed to a physical address and not the address that I provided, not once, not twice, but every time I called. So now I asked that they overnight the check to me as I will be traveling for the next several months. I was told that I could have it overnighted but that I would have to provide a credit card and pay the fee for it.

I have had to call them about my new account. Immediately ask for a card number, but I don't have a card, then asked for every personal information there is. After giving all that they required info on actual loan that was located at home and not on my person. The rude abruptness and condescending manners used to assert concern of verify you, it's just bad manners and nasty customer service. I understand that they probably deal with a lot during the day. But kindness or just general nonaggressiveness is expected.

Awful customer service over the phone, I was asked 20 different questions just to replace my card, the associate went as far as asking me my legal status? I think there was reason why they have such a bad score.

I was a People’s, then People’s united Bank customer for over 20 years prior to the sale to M&T. I am writing to warn you to not fall for the TV and radio hype barrage that M&T has launched to save its reputation. They are by far, without exception, the WORST BANK I have ever dealt with in my 50 years of doing banking. My wife closed her accounts last year, I closed 3 of the 5 I had, hoping it would get better plus I had developed a warm relationship with the tellers that I didn't want to walk away from. Unfortunately, after 1 problem followed by another, then another, the time has come to end my relationship with MnT. There have been SO MANY problems that I don't care to waste any more of my time explaining them.