M&T Bank

M&T Bank Reviews

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About M&T Bank

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M&T Bank is a financial services company with a variety of personal and business banking solutions, including checking and savings accounts, loans and credit cards. With more than 1,000 branches and 2,200 ATMs in the Mid-Atlantic states, M&T Bank is best suited for those looking for a local banking experience. While its savings accounts have low interest rates, its promotional certificates of deposit (CDs) are a great way to lock in a competitive rate.

Pros & Cons

  • Variety of personal and business banking solutions
  • Promotional CDs with competitive rates
  • Multiple credit cards with no annual fee
  • Limited service area
  • Below-average interest rates
  • Monthly fees on most accounts

M&T Bank Reviews

Stars Rating

  • 9%
  • 8%
  • 3%
  • 2%
  • 78%

Popular Mentions

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    Page 3 Reviews 40 - 240
    Customer Service

    Reviewed Jan. 12, 2023

    This company is unethical, unorganized, and has appalling customer service. They lost my electronic release of lien for my car loan and thus I haven't been able to retrieve me car's title for over 4 months now. Customer service hangs up on me repeatedly. This should be illegal.

    Reviewed Jan. 11, 2023

    Where have all the M&T tellers gone? Doesn't matter which location in the Buffalo Southtowns you go to, there is always at least a 30 minute line. Two tellers, one of which is alternating with the drive thru traffic. What corporate dingbat decided commercial tellers no longer warrant a separate line? Now everyone gets to wait even longer than 30 minutes when both tellers are handling commercial business simultaneously. The last 3 months lines have been out the door no matter which location I visit. Hey M&T, our time is valuable too - way too many small local banks we can switch to.

    Customer ServicePunctuality & Speed

    Reviewed Jan. 8, 2023

    My mortgage was recently sold to M&T Bank, unfortunately. This was an investment property with me & 3 other people on the mortgage. *I had attempted to set up ACH payment via their mobile app but was unsuccessful (I ultimately had to do this via PC for those having the same trouble). I do take responsibility for missing a payment in the confusion (I should've checked the bank account to see that the money wasn't withdrawn but didn't). BUT, M&T claimed they tried to contact me about the late payment when they were actually calling a work number that isn't answered by any of the 4 of us directly, and the call was never received. They could've, and I'd argue "should've" called any 4 of the cell phone numbers associated with this account.

    Ultimately, they have dinged 4 people's credit for a $2,400 late payment when all prior payments were early. To top it off, they suggested I contact the Credit Bureaus to dispute it, when they knew they would do nothing to help with the incident. If damaging our credit wasn't bad enough, they also had to waste our time with this runaround. I'd never use this bank if you're looking for a "customer oriented" bank.

    Reviewed Dec. 22, 2022

    I am a disabled veteran who was recently awarded 100% disability, property tax exempt. After submitting all supporting paperwork, I was told 5 business days for an escrow analysis to be ran and the overage funds in escrow would be refunded. It has been 2 months with no resolution to date. Due to this company's negligence, I have faulted on my mortgage. I am saddened by the lack of integrity of this mortgage lender. This is the exact problem that needs fixing with how veterans of the United States are treated once discharged from service and are no longer of use.

    Customer ServicePricePunctuality & Speed

    Reviewed Dec. 11, 2022

    So I have a mortgage with M&T bank. Never been late once until somehow a payment bounced that I paid. Even though I got the notification that it went through from my bank. Went on with my life. Well I heard from them 32 days after my payment was due. Stating that my payment wasn’t paid. And I remember paying it. Look back in my emails. Had the verification of my payment went through. Then realized somehow it bounced so I paid it. Well they decided to put a 30 day late on my credit report. Even though they knew this wasn’t my fault. Causing my credit score to drop 100 points causing other issues in my insurance to cost more.

    My Wells Fargo credit card dropped my credit limit by $10,000. Now showing that I use utilize more of my credit limit. Also making my credit score drop even more. All these banks are in cahoots with the credit bureaus. And they’re all crooks. They refused to move remove this even though they see in the last 15 years I’ve never had one late or anything derogatory on my credit report. The funny thing is they called me up because I’m a realtor asking if they can be my preferred referral lender. I want to refer them to a cockroach.

    Profile pic of the author.

    Reviewed Dec. 9, 2022

    Please watch out M&T bank closed out my credit card without me knowing saying because of a fraud alert. M&T bank didn't notify me about canceling my card. Until I try to use been having more issues with the bank. And thanks to them I lost a day of work so that's a day of pay for me. So please watch your account.

    Customer ServiceContract & TermsPunctuality & SpeedStaff

    Reviewed Nov. 2, 2022

    This bank is shady, unethical, disorganized, and completely incompetent. Three months ago I accepted an offer on my house sale by a gentleman who is using this bank. Our original closing date was October 1st, they didn’t even order the appraisal to be completed until October 6th. It came back at 10k over my asking price and he was told that no repairs were needed because of that (it was an FHA Loan and the purchase agreement clearly states the property is being sold AS IS). They do not respond timely or at all to emails, and they do not offer updates. The buyer had to resubmit several forms several times to several different people because they apparently also do not communicate internally.

    We finally got a second closing date of October 28th but nobody would give us a name or address or time for the closing. On October 27th at the end of the day, we received an email that they were not ready to close and they did not explain why, but it turns out they buyer needed to submit more paperwork that he had submitted already but they couldn’t find it!

    On November 1st, 4 days after we were supposed to close and an entire month after they received the appraisal results they sent the buyer a huge list of repairs that needed to be completed before they could move forward. The list includes but is not limited to scraping and repainting the entire house and tearing down an old shed on the property. If these items were a determining factor in his eligibility they should have been sent a month ago when they received the appraisal and not 4 days AFTER we were supposed to close! I already moved hours away because they gave us a closing date. I am out of money, the buyer is out of money, I am double booked on my housing expenses and the buyer is effectively homeless. What a nightmare! I wouldn’t recommend this bank to my worst enemy.

    Customer ServiceStaff

    Reviewed Oct. 23, 2022

    On Sunday 10/09/2022 I contacted M&T bank formerly People's United Bank since they did not move any bank statements from People's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last year's worth of statements. I received a message that the statements were ready but that was only for the month of October. So now I have Sept and Oct of 2022. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help.

    So after all the waiting I speak with the specialist and told her the situation and explained I need this info ASAP. She tells me it's in process since I made the request 2 days ago so I only have 8 more days to wait since it's 10 days for this request. I explained that is not going to work as this is my bank info and I needed for a court case so I legally needed it. She explains that it is my fault that M&T sent a message to the future customers that it was their responsibility to grab their statements from People's United and she could not help me. I explained that this was not reasonable and that just because a bank makes a policy - And as I was trying to explain this she hangs up. And it was a definite hang up. I will be closing my account with M&T ASAP. This should have already been done when switching over the systems as was done when People's United took over United bank a few years ago when we had to go through this process then.

    Customer Service

    Reviewed Oct. 8, 2022

    I recently took out a significant mortgage with the bank. I had a great experience until I opened a checking account and tried to access my mortgage and checking account online. I have not had access online to pay bills or access transfers or any other service for almost a month. The local bank tells me I have to call the 800 number. I have spent hours on hold and still those answering the phones are not able to fix the issue. I then resorted to calling the head quarter in Buffalo. Nothing. I do not understand how a success business can be run this way? I would not open an account with M&T because no one is empowered or trained to help you.

    Reviewed Oct. 5, 2022

    Just "forced migrated" from People's. It takes M&T DAYS to post ACH payments. My credit card company posted my payment as received 9/30. Today, 10/4, M&T STILL hasn't deducted it. But they're "very sorry for the inconvenience."

    Customer ServiceStaff

    Reviewed Oct. 4, 2022

    I called to lock my Home Equity Line of Credit. I have been waiting 32 minutes with no sign of the phone being picked up. This bank is a nightmare. Avoid like the plague. No matter how many times I call them, it is impossible to speak with a live person, and I can't use any automated services to get done what I need to do.

    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 29, 2022

    Bill pay unable to change $ amount and frequency on existing established. System unavailable alert received every time, day or night. Ongoing issue since merger with Peoples United. Waited 40 mins for rep who was unable to assist. She suggested I cancel my current bill pays and start over. I have no desire to do that! Put on hold. I hung up after 23 mins of waiting. I’m soooo frustrated!!! I’m afraid to cancel current Bill Pay as I may encounter insurmountable issues to set up new Bill Pay. I understand there is always issues with mergers, but this too long and unsatisfactory. Ridiculous wait times!! M&T doesn’t even have a customer service email address.

    Customer ServiceStaff

    Reviewed Sept. 19, 2022

    When People's United Bank was purchased my M&T Bank over a month ago, I have not been able to get into my account online. I keep getting locked out and have to go the bank to check my checking account balance. People's United Bank was soooo easy to log into and this one just keeps locking me out. Can never get to a rep by phone because it keeps hanging up on me. If I didn't have overdraft protection on this account, I would change bank in a heartbeat. So far I HATE THIS BANK.

    Customer Service

    Reviewed Sept. 12, 2022

    I have been on hold for over an hour the first call and an hour and a half during the second attempt. The first time with patience, I finally was transferred to a customer service representative. I need to get a title as we purchased a vehicle out of state and are trying to register it in our state. I was told that I need to request this in an email. They gave me an email address that bounced back. I was not able to get hold of someone the second attempt after being on hold for almost two hours.

    Customer ServiceCoverage

    Reviewed Sept. 12, 2022

    We purchased an RV and secured an installment loan through M&T bank. We scheduled payments through their app. Every single time the payment was scheduled, the bank would take out 2 payments even though only 1 was scheduled. We have called customer service several times and were assured that the payment would be reversed. The other problem is every payment we schedule was being reversed and they claim it was due to insufficient funds even though there was plenty in the account to cover the payment.

    We contacted our bank and were told that M&T Bank did not have the information entered on their end. The numbers were blank. This was told to them several times and again no one could help. This bank has lowered our credit score and will do nothing to correct the situation. Now we have to go to a branch in person to pay the loan in cash since they are unable to figure out how to take the money from our account. I would not recommend ever using this bank.

    Customer Service

    Reviewed Sept. 9, 2022

    M&T Bank just bought People's Bank. My old bank. Since the takeover all old people's customers could not log into their accounts. Then customer service was so overloaded. They do not answer the 800 number even after 1 hr wait. I have read the scary reviews, I will be looking for a new bank toot sweet. Be afraid.

    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 1, 2022

    I called the mortgage division about paying off my loan. They said that they could not email me the final statement but would mail it to me. The mail never arrived. I called them back 2 weeks later and the rep said they did not mail the statement, but did fax and email it to my M&T rep. (who later told me that's not true, he'd not received any info). At that point they said they actually could email it to me, but it would take 2-3 days. They also said I could just go to my local branch and close out there.

    Three days later I went to my local branch assuming. They called the mortgage division who told them that they couldn't provide the actual amount. They said it would actually need five days to process, to come up with the exact interest amount to come up with a payout statement. At this point the local branch manager is now on hold trying to get a straight answer, telling me that it shouldn't be this difficult and the mortgage division should in fact give me a final amount today. We'll see but regardless, bad service by the mortgage dept, great local service at my home branch.

    Customer Service

    Reviewed Aug. 17, 2022

    Remediation Contractor here that provided services to a homeowner. The insurance company made the payable to the homeowner and M&T (mortgage co). M&T took the check 4 months ago and has still not dispersed any payments!!! All documentation has been provided multiple times. Every time the homeowner calls, they are told something different and need more paperwork. In over 10 years of business, I have never had a problem like this. I feel terrible for the homeowner!!

    Customer Service

    Reviewed Aug. 16, 2022

    Tried to get a 10 day payoff on my RV loan to give to the new owner's bank, new bank requires a paper copy, called M&T, after over an hour on hold, I finally spoke with someone who said they can't email me a copy of the statement, they would be glad to mail it to me in 3-5 days! It's 2022 folks, if you can't email a PDF statement to me, your bank doesn't deserve my business, not to mention the lengthy wait time to speak with anyone! Automated system is a joke, it asks for your account number, but won't accept anything you input. What a horrible customer service experience, glad I'm closing my account!!!!

    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 8, 2022

    Just spoke to a supervisor who called me a liar. He told me I had only made 3 payments since opening my account in December. Shell oil is a monthly bill! M&T has had problems paying it for 7 months that's why their records show only 3 months, my January and February bills were not paid by m&t plus my Shell card was cancelled for the first time since the 1980s. I've had to pay shell $87 of late fees because m&t can't get a check, not even electronic payment on time and I mean a week before it's due. They blame everyone but themselves!

    I've been waiting for a rep after being out on hold an additional 10 minutes after waiting in hold listening to music I don't care to listen to. Whatever happened to silence! Reason I'm calling for the second time in 8 months is that M&T can't seem to do electronic checks to Shell gas company. I've been charged late payment twice and card wouldn't work for two weeks!! I had to pay shell with a credit card to have shell card work. My July bill wasn't paid until August 1 even though I specifically asked for bill to be paid by July 22. They mailed the check. But can mail it myself and it'll get there on time.

    Still on hold for Dawn who put me on hold and never bothered to come back. Hung up!!! Terrible online service too. On hold again 5 minutes and counting. Was told in January that M&T would pay for my $29 late fee which I've been charged again and it's my present balance and I'm still waiting. I rather my bank pay my bills on time as there's that credit report/record thingy to worry about.

    Customer ServicePunctuality & SpeedStaff

    Reviewed July 18, 2022

    I banked with M&T for 20+ years and I have extremely poor experiences with M&T. Everything to failure to provide a new card upon request after an old one expired, to consistent failure of the "online banking" website, to bank-to-bank transfers simply not working, to taking weeks of time and hours across multiple phone calls and branch visits simply to close a checking account. However, at this branch, senior relationship banker Yvonne ** went above and beyond for me in a fruitless effort to assist me with an issue that M&T's central system wouldn't permit her to remedy. She stayed past bank closing time, she bent over backwards to try to help me however she could. Other branch members were extremely friendly as well. It's not their fault that their bank's system/infrastructure is terrible.

    (One incredible note: M&T apparently forces its own employees to contact M&T's customer service lines--just as the customer would--to attempt to resolve certain account issues. So poor Ms. ** sat in a customer service queue with the customer present waiting for an answer that ended up being unsatisfactory (the issue could not even be resolved). Just seems like a really poor way of doing business.)

    Customer ServiceStaff

    Reviewed July 18, 2022

    The bank blocked my online access for no clear reason. When I called the customer service the woman was very sassy with a condescending attitude. After the account was unblocked I told her I did not need her help anymore. She told me I had to change my login. I replied I would do it on my own. She insisted that I do that while she was on the line otherwise she would block my account again. She said my account was blocked because I traveled out of the country. The thing is that I traveled more than one month prior and returned and used my account daily with no problem. 30 days after I returned to my home city they blocked my account. Faulty software and sassy customer service. I do not recommend.


    Reviewed July 12, 2022

    Stupid staff and terrible experience. I plan to change the bank now. Would not recommend this bank. They need lots of improvement to continue their business. I will not return to this bank in future. Hate it.

    Customer ServicePunctuality & Speed

    Reviewed July 7, 2022

    I have had a mortgage through M&T Bank since 2009. I refinanced in 2015. My property is a duplex with two separate tax parcel numbers. Annually for each tax parcel, county, local municipality and school district real estate taxes are due. This means that there are six separate payments each year. M&T withholds the total amount for all six payments. Every year since I have refinanced, M&T neglects to pay the local municipality taxes for one of the tax parcels. The other five payments are made in full. Each year, the local municipality sends me a letter that they aren't paid and that a lien will be placed on my property. Each year I spend hours on the phone with the taxing authority and M&T explaining the situation and trying in vain to have them correct it. Each year, someone from M&T assures me that the problem is corrected and that it will never happen again. Each year it happens again. This is the 7th year in a row that this has happened.

    This year was slightly different however, in that M&T still hasn't paid the amount owed, so now there is a lien on my property over a $400 payment that should have been made months ago. I have spoken with half a dozen people at M&T, each one assuring me that the payment will be made immediately, that IT WILL NEVER HAPPEN AGAIN, and that they will call me back to let me know as soon as the payment is made. I have not heard back from anyone and the payment has still not been made. I'm at my wit's end. The problem can't be fixed and apparently they just gave up on even making an effort this year.

    Subsequently, I submitted a complaint to the BBB and M&T responded by blaming the local taxing authority, which is a complete lie. The local municipality sends out the bills on time and answers and returns calls and inquiries. M&T is non-responsive and in seven years of dealing with this issue, I have never received a return call when promised.

    Customer ServicePunctuality & Speed

    Reviewed May 10, 2022

    Awful, I have a car loan from M&T. I make my payments 2wks early like clockwork. Then out of the blue they reported 2 payments I made last year as late. This dropped my credit score 100 points. I have been unable to reach their customer service even though I have waited on hold for hours. M&T it's time for a management change, you can't blame your crappy service on Covid anymore. I will be looking for a new bank and an attorney.

    Customer ServiceReliability

    Reviewed May 9, 2022

    I opened account in M and T Bank last Monday. I logged into my Web account on Friday of the same week. I was not able to login pass the security questions. Called customer service said I can place a ticket or go into the bank and Close account and then reopen. They could not tell me when I would have a resolution. End of story! I asked if we can expedite, answer was NO. Big inconvenience not a good bank, poor customer service. Secu is a much better Bank.


    Reviewed April 13, 2022

    M&T bank's new automated system is horrendous. Doesn't understand the word "transactions". When it finally dies, Doesn't give the most recent ones, gives them from a month ago. Finally talked to a person said there's many complaints! Then do something about it!!


    Reviewed March 18, 2022

    Lost card, contacted support and had a replacement sent out. Received card and activated, problem is I cannot use the card because it seems my pin was reset also. Now I can't change the pin because the website, app, automated phone service won't allow me to sign in without my pin. A human has not been reached yet after days of trying to contact one. Not sure what really to do other than pull funds and close account.

    Reviewed March 17, 2022

    I just open up M&T Bank on March the 5th which is on a Saturday and I just receive a check from Bank of America for 99,999 dollars and when I deposited at an ATM like this Monday when I tried taking out money the lady said I had no money in my account so I called the m&t bank customer service and I explain to them what happened so I told them that my account has been investigate because the check that I got from Bank of America which I don't used anymore. So I ask them how will my account will stay investigate and they said they don't know. So honestly I had to close down m&t bank because honestly they accuse me of depositing fake check which is not true so they ask me where did I got the check from and I told them I got it from bank of america bill pay online and the lady ask me who give you this check and I told her i got it for my self. So I'm planning on closing M&T bank account.

    Customer ServicePriceStaff

    Reviewed Jan. 13, 2022

    When we were purchasing our camper we were pre-approved through our bank. We decided last minute to go with M&T because it was similar interest and easier - the dealer was familiar with M&T and the M&T person told us we could pay this off early with no penalties...this is a lie. I have mailed 2 checks in towards principal only. They will only extend your next due date. They will not put extra towards the principal only. I called and an agent told me he would help get that fixed... Several months later it is still not fixed (my due date is now August of 2023 for my next payment). I called again and got an honest agent. He told me the truth... They are an interest first bank. You can pay extra but it won't help...you will still pay full interest. Don't use this bank. Go through your own bank or a company that is honest. We were overly eager to go the easy route...big mistake. They are extremely and purposely misleading!!!


    That is exactly what I am dealing with now with M&T. My statement says how much principal and interest are due on that date so any extra should go to principal but they refuse. I will use those funds for another account in the future.

    Reviewed Dec. 24, 2021

    Complete garbage company. M&T Loss Draft department received my insurance check at my cost to mail for endorsement then supposedly endorsed and mailed back with Zero tracking and it got lost in the mail. Now I have to get another check and do it all over again to fix the damage to my home. Such a cluster of inefficient ignorance.

    Customer ServiceStaff

    Reviewed Dec. 18, 2021

    On December 18, 2021, I had made 2 calls, which had resulted in two extensive holds of 1 hour & 54 min. total, w/ being able to talk with anyone from online banking. I had given up twice. It appeared that I had received a text from M & T stating that my online account had been suspended, due to suspicious activity. I had needed to see if the text was legit, etc., but had been unable to get through to them within a reasonable time. They waste my time, I bank elsewhere where I can feel that my money is safe.! They were not there for me when I had really needed to speak with them. There is too much competition out there for them to be treating their customers like this! They will not be given another opportunity to demonstrate their wanton disregard for their customers' time.

    Customer Service

    Reviewed Dec. 4, 2021

    Steer clear of M&T for your housing needs. Worst experience ever. Started our adventure of owning our forever home in June 2021. Our loan got changed not once or twice but 3 times. Lack of communication with loan officer. When we asked questions we were ignored or treated like we were annoying. Multiple copies of the same items had to be sent over and over again. When we were led to believe we were coming to a close something would always come up and then more waiting or more like avoiding. Well today is Dec 3 2021 6 months people!! And nothing. No house. No explanation. All they simply said was I didn't have enough assets when I had enough money for closing costs and mortgage. No explanation of what was needed. I wish I had a number to go by what in their eyes is enough money. Would not recommend for anything banking nor mortgage. This was truly the most horrific experience of my life.

    Customer Service

    Reviewed Nov. 9, 2021

    Recently, I have received check for 4825. The bank placed it on hold stating it was fraudulent. Very odd. Now my account is blocked and I can not do anything about it. Today, I have received a text that I have -4572. If the check was bad I should have a zero balance. I just do not understand them. Also hold time sucks on the phone too as well. They blame everything now on covid19. I am going to close account and I will try calling them again later today.

    Customer Service

    Reviewed Oct. 12, 2021

    When I try to pay my card online, I get a message saying that they don't have bank to bank transfers set up yet. When I call to pay it, I get cut off and told they can not go further with helping me because I didn't give the correct credit limit amount. I will end all business with this bank, too inconvenient.

    Online & App

    Reviewed Oct. 8, 2021

    I spent an hour and 10 minutes trying to speak to someone at the bank today. I paid off my loan 2 days ago and was trying to get a receipt so I could show they received my funds. They refused and stated it wasn't their policy that I should receive something in 10 business days. I repeated, "You took my money correct." They replied yes. I replied, "I'm entitled to a receipt." They continued to refuse to help or care in any way. On top of taking an hour to reach someone and their website rarely working correctly I would encourage you to use a bank that cares about customers.

    Customer Service

    Reviewed Sept. 28, 2021

    I have been banking with M&T for a little over 3 years. I’ve been charged thousands of dollars in overdraft fees when at the time of the debit purchase the funds are available. I had a car payment setup for check which takes about 3-5 business days to post and at the time due to the debit transactions I was short 100 dollars which my app did not indicate. After the check posted they charged me 38.50 for every debit transactions that was made days before which made my balance lower to overdraft in the first place. I received over 10 fees in that pay period alone. I called and they offered me one. In theory from their response if the debit transactions were pending and did not post my check shouldn’t have cause an overdraft. In my opinion I should have only been charged for the actual transaction that overdraft the account. I let them get away with it for years, I am currently looking into doing something legally.

    Reviewed Sept. 4, 2021

    I deposited $3000 in cash thru the drive thru and was questioned where I got it from? I have banked with them for 20 years and have three accounts! They acted as if I was a criminal depositing money into my acct.!!


    Reviewed Aug. 27, 2021

    So I am now having to check my account every single day, and I do a screenshot because M&T have been gaslighting me, backdating transactions, and charging me exorbitant fees for years. They'll hold transactions in pending (for example, a transaction that came through today), but they will back date the charge as coming through the day before so they can overdraw your account (my direct deposit for my payroll is deposited every single Tuesday but they hold that in pending too). Then they charge $38.50 for each transaction they "bounce" thus bringing you further in arrears. This is shady and they have done it before. In fact, there was a class action lawsuit against them doing this before.

    Customer Service

    Reviewed Aug. 19, 2021

    Do not finance with M&T Bank for a car loan. The dealer got me financing through what they called their floor bank. I should have been taken notice of this word "Floor Bank" they used to describe the finance bank. It is one step off the floor. I don't even think it is that high, it's more like dirt floor. The first issue with the bank was trying to get my loan number. I called several times with vin number, SSN, address, date of birth, loan amount, but did not have the payment date. They wouldn't give me my loan number. On the 3rd call they finally gave me the number of my account so I could make payment. Now each time I called I was on hold for at least 15 min or more. Was extremely frustrated with the bank so far. I decided to pay off the loan in full.

    I called the bank to get a 10 day payoff. They couldn't email this document to me, they said they didn't have that ability yet. They actually had to fax it to me. This is a good sign of technology here. So I cut them a check for the full amount one day before my 1st payment is due. So the loan is closed and they also took my monthly payment on the same date. So I have now overpaid them by a large amount of money. I called them several times about this issue and they tell me the loan was closed and they have no record of the monthly payment.

    I finally had to send them the processed check with their ISN bank number on the back of it. 6 more calls to the bank and now I get transferred to a supervisor each time. That is an additional wait of 10 min or more on top of the original 15 min wait. So we finally get the matter resolved and they cut a check. They then hold on to the check for 6 business days to attach a letter and then mail it out to me. Real nice of them to address the letter to me correctly but make the check out to Carol instead of Carl. Just more underhanded delays from this bank. Total time to resolve this was 56 business days. M&T - THE DIRT FLOOR BANK....


    Reviewed July 30, 2021

    As a person who endured a life changing event. This had a negative impact on my credit. However, after opening up an M & T account. I then was able to borrow against my own money that I invested to rebuild my credit. The banking services are superior and have been great! Thanks to M & T the path to homeownership was made possible. You won’t be disappointed in their products and services.

    Customer Service

    Reviewed July 23, 2021

    We had an insurance claim made and approved by our in