M&T Bank Reviews

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.

Horrible! I overpaid my mortgage and thought I would get my money back. I had to fight with them for months and still haven't gotten it. I've been told several times that my check is in the mail, and yet, never has been sent. I'm on the verge of hiring a lawyer.

This bank is a scam. I make early full payments and they process them to interest only. I was informed that the interest allotment daily is $22 and that is why it all goes to interest. I might make my payments 3 months late and seen if then it will go to the principal.

RUN AWAY FROM THIS COMPANY! My mortgages have been sold to this bank for years and they are the absolute worst at supporting their customers. I will ensure any lender I work with in the future does NOT sell my mortgages to M&T. I have been on time with all of my payments as they are auto-drafted and have been for years for all my various loans. One payment didn't go through and they have no digital systems in place to notify the customer of any account issues (email, phone call, text, etc.). I was completely unaware and once I realized what happened, I immediately paid the balance. Since it had been 30 days, they reported it to my credit report. I have never had a late payment in my life. I went from having an 800 credit score to now "fair" credit for an incident I was completely unaware had occurred.

After a lot of searching I couldn't find an option for expiring debit card. I tried Lost or Stolen cards and got Donna. She was pleasant, happy and totally helpful. I have had no problems in about 15 years with M and T.

Disabled veteran, I receive benefits from our government. M&T Bank has locked my account, and I cannot access my money. They lie and tell you your money will be available as of midnight, and still nothing. I am writing this at 12:30 in the morning. My money is being held captive by M&T. Mind you, I have had this account for at least 5 years and these benefits as well. They don't even deserve one star.

They have all your personal information but won't give you your loan information when ask. Worst customer service for simple solutions. Please don’t bank with these clowns. They tell me that supply me with the info after 7-10 days and when you call back all you get is I’m sorry. Sorry is the correct adjective to Describe their bank!

M and T online banking has been “unavailable“ about 75% of every day for the past few weeks. A call to tech customers service and they tell you that nothing can be done except to uninstall the app and reinstall it every time you have a problem… which is every day. It is not just me. Everyone I know that uses this bank has the same experience. I am ready to call it quits with them and I have multiple accounts with them.

I have been banking with M&T ever since they took over for Citizens Bank. I had no issues with this bank until I moved out of New York to go south. There are no branches in the Carolinas and since we moved I had not had the opportunity to find a local bank. Since almost all of my banking needs are taken care of online, there had not been any issues until now. It has been two full weeks since I am able to log into my banking app to make deposits into my account. I have called to speak with customer service, and after trouble shooting my phone, making me delete the app and reinstall it, I was told that there is nothing that they can do on their end to restore access to the website. It is extremely frustrating because I have a few checks that need to replenish funds and I am unable to do so in person. This is a huge inconvenience to customers and any of the customer service agents I had spoken with was not forthcoming about what the issue is.

Guess there was a mix up at my bank. I always pay in advance, until feb 24. I have been past due for the last 9 months, but only 26 to 28 days (thinking paying in advance). I was never notified by the bank, text, email, phone call, letter..Nothing for 9 months that my account was past due. I got a alert from my bank stating a new past due account posted to my credit...What??? I still have received no notice of my account from M & T about being past due. I called, explained mix up and they refuse to take late payment off my credit. Mind you, this account has never been past due or even close, I should have been notified in JUNE 2023, but nothing from M & T. I should been notified they were going to report me before they did!!

Our mortgage was sold to this company. So my wife, who is in control of all the finances, had to call to set up the online bill pay. FYI this is different from the mortgage department. Now you know. Because I didn't know that the mortgage Department taking my SS# and name meant nothing to the online department, because the rep refused to give me info. It was like pulling teeth to get info. "I can't talk to you because you're not on the account" is all she kept saying. "Ok, yes, fine, please tell me how to get on the acct, so I can pay my mortgage.” Seemed like a question that I didn't need to ask. She just wanted to get me off the phone and was being a polite jerk about it.

Purchased RV from Campers Inn- they recommended M&T bank for financial although I wanted to pay cash. Campers Inn wouldn't give me the advertised price (or discount) without going through M&T as they wouldn't get an incentive from M&T. (Shouldn't be penalized for paying cash.) Paid off the loan in 1 month and M&T didn't release lean so I could get the title. I called 4 times trying to get them to release the lean and each time they said they did. They couldn't provide documentation or proof that they sent it to the state and the state of GA says they still hold the lean so they can't print the title.

We bought our 1st RV at Camping World May 2023 brand new RV. The salesperson told just the lowest rate we would get is 9.49% APR a year. We are 8 months ahead with our payment. Paid about $6,300 & only half went ok towards the actual principal balance & rest went towards the interest. So I called to talk to a supervisor & he told me they charge me $9.19 daily per diem based on my APR. So they are charging me $275.70 a month on interest & the rest of my payments goes towards the principal balance $30.99 since my minimum payment is $306.78 but I pay $400/month & sometimes an extra $200-500 but it’s all going to interest first then some goes towards to the principal balance… The bank said that it doesn’t say it in our contract but the dealership should have told us!! So our contract doesn’t say we will be getting charged interest daily nor the dealership but the bank is telling us that…

I went to an appointment at M&T ingleside branch in Baltimore MD on January 26 2004 which I was instructed to do by the main branch in New York when I called the 1800 number. Keep in mind I am a disabled ** man on a walker catching mobility. I did what I was told, has the proper identification and Samantha my agent help me to get a replacement card. Please note M&t has given me hell since I got robbed. They treat me now as if I am the criminal. I been with this bank since 1989 when it was 1st national bank to all first bank and so on. I just hate the way they treat me since about two years ago. They treat their customers like trash to cover them when m&t was known to support and protect their customers.

I had no choice but to go through this lender as I was attempting an FHA assumable loan that the original buyer had purchased through this mickey mouse outfit. Patrick ** and his staff were highly inattentive throughout the process. It was difficult to get him on the phone and he acted like I was wasting his time when I did speak to him.

My mortgage company recently changed to M&T, and it has been a nightmare just to set up automatic payments. I called to reset my temporary password, but they didn't help me. They always said that the monthly payment amount I am saying is incorrect, so they can not help me reset my password. My monthly payment has been the same as last year. I am reading the amount from my emails and statements, and they keep telling me that the amount I am giving them is different from what they have on file, so they can not help me reset my password so I can set up my automatic payments. I also financed my first car with them, and dealing with this bank for those 6 years was extremely hard. Please stay away from them.

This local bank has been my bank for 8 years. Friday, I was unable to log into the app as it stated my account had been locked. Not a single email call or communication from the bank. After 5 days of calling, showing up to the bank, etc I finally find out they’re “terminating our relationship”. If they aren’t beating you down in fees or you refuse to take out a loan or mortgage with them they will oust you. Mind you, they decided to do this 2 weeks before Christmas without any communication. My boss called to tell my paycheck bounced back from direct deposit. Do you know how embarrassing that is? With small banks struggling recently, I can’t wait to take my business elsewhere. And I can’t wait for the first Ravens game I go to when the stadium no longer says “M&T Bank”. It’s not a matter of if, but a matter of when this bank fails.

Locked us out of our account because we set up autopay (???) and claimed it was because there was "fraud detected". Because we were trying to PAY OUR LOAN. The website REGULARLY locks the account if you try to do anything on it, then you have to call in to support.

This company deserves zero stars. My mortgage was sold to this company from the builders of my home and they have made things very difficult for me. I called several times regarding my property taxes and each time I received a different answer. The agents are not knowledgeable and will tell you anything to get off of the phone. They have done an inaccurate escrow analysis and is waiting until that last minute to pay my property taxes. They also did not give me the full refund owed to my from my escrow overage which is against the law in Texas.

My mortgage was just sold to M&T Bank and the experience so far has been horrible. When they assumed the mortgage they lost my information, so when there was a payment error I did not receive word or notice. I found out from Experian that I had a missed payment. When I called to have the issue fixed, they misled me to believe that we could dispute the charge through the credit monitoring services, and then nothing changed when we did so. The decision to fix my credit is actually %100 in their hands. If you have any choice (unfortunately I do not get to decide who owns my mortgage) I would strongly recommend picking any other bank.

I have had M&T for about 3 years now, I fell behind one month and convinced them to do a repayment plan, at the end of this period I had a $1600 mandatory fee to pay to finish it. I could have just paid that in the beginning and avoided all of that if I had it. Continue on to November, this was in January...I am now 2 months behind because of all their crap and moving dates, they refuse to let me make my payments on the first when it's actually due and they are threatening default. HORRIBLE COMPANY. They do NOT want to help you, they only want your money.

M&T Bank canceled my account with no explanation, no excuse. I was told on the phone to go to the local branch in Auburn for answers where they looked up my account and would not tell me why they closed it. They were very unprofessional and rude, and seems like they had no idea what they were doing whatsoever. Do not use this bank. They will close your account for no reason and they won’t tell you why.

Beware of this loan. They hardly let you pay down your principal. This is a loan that no one should have! I'm making payment every 2 weeks and still have the same payoff as if I was paying once a month.

I have been shocked by the lack of security, accountability and poor communications from the DC-area bank. While opening a new account, they transmitted my account number through an unsecured email communication and seemed put-out when I explained they would need to close that exposed account and open a new account for me, but they did it. Then provided the closed account number to Deluxe checks, which went undetected until a large tax check I wrote bounced. I couldn't figure out how the payment bounced, and finally put it together and contacted them about the problem and replacement of the checks.

This bank charges you $20.00 to cash a check that was drawn from their bank if you do not have an account with them. It isn't enough that it is a payroll check and your employer does business with them. This is a complete RIP OFF!!! Will NEVER do business with them!

I don't know where did they hire the no patience people for the first call on customer services. I had experiences with a bad representative this morning. She was no patience, not nice, mean to talk. She just cut off the phone when I was still talking. The phone number I've called is: 8007909130. I have never met people like this.

The bank is always taking your money with no explanation, always check your account before purchasing anything, they play with your $, are rude, nasty, don't care about their customers, in order for them working less they force you to cancel your debit card. They know you need it and it takes over 7 business days to get a new one. You get charged for using the bank's ATM to withdraw $, check your account balance, get a print out receipt, even if the ATM charges no fee for withdraw. But the customer service takes the cake. Wow. This bank is trash, trash. This bank needs to be investigated like tD & Wells Fargo that had investigations & money refunded to the customers for them stealing from them.

My mortgage was transferred to M&T and every person I have spoken seems to not know what they are talking about! Let's talk about the lack of tact when speaking to someone. Michael G and Pete was the absolute worst! Michael spoke over me, very loud and rude. I really hope they record their calls for customer service training, because HE really needs it. Pete was condescending and could care less, as though he was late for lunch. I hate that my loan is now with them.

A day ago. NEW. I deposited a check with this bank for my closing for my new home that was gifted to me by my mother. This check has been in hold since 5/13. An official check from Chase!. They blocked my account so all my bill pay bounced back and now my car insurance had canceled. This bank is racist. They think I'm a thief when I'm just trying to purchase a home.

Called Customer Service to verify the routing number for a wire transfer. This is a general question. Some banks have a routing numbers for their checking/savings accounts and a completely different routing number for wire transfers. Rep refused to give me the routing number.

My loan was transferred them! Horrible experience so far! I hate this. I’ve had to call them 3 different times to have an analysis done because my payment increased when they took over my mortgage! 3 different times for something so simple. I’ve spoken to about 7 people and no one has any answers as to why my payment increased and is a different amount monthly! I keep getting the run around! Incompetence!

Would like to say mandtbank is a horrible bank to deal with went to Golden mile in frederick md would to put my check in as cash wouldn't let me. Knowing I could I have had so many problems with mandtbank. It's horrible worst bank to deal with closing out your debt card and not even telling you horrible customer service. If you deal with mandtbank close out your account

Terrible service from this bank/lender. The customer service lied to me repeatedly almost every single time I had to call them. Upon paying off our loan, even after the final payment was taken from my bank, M&T refused to give me any sort of proof of payoff. My access to the app and the website was removed "because the account was closed". Yet they refused to email me any proof of payoff. I was in the process of buying a new RV and trading the old one (we just paid off) in, and M&T made me wait 10 business days before they would snail-mail my proof of payoff. Then an issue that was partially my fault, I had forgotten to cancel my auto-pay from my bank. So after payoff, an additional payment was accidentally sent to M&T through ACH.

DO NOT TRUST THIS BANK!! My PERSONAL and SECURED information was taken by M&T Bank employees (Genesee St, Utica, NY) and used for their personal gain. I have the proof and I’ve contacted M&T Bank twice to file a formal complaint and request an investigation. It has been a week already and NO ONE has even attempted to contact me regarding this matter.

Do Not. I repeat … DO NOT BANK WITH THIS COMPANY! Ever since they have taking over People's United Bank it has been nothing but issues! Problems retrieving money, the tellers are all unprofessional and very rude! Take your money out and run!!!!

Unhappy with customer service. Local bank unable to help resolve in person, so you have to call to ask why they offer no interest on money left in checking account, yet they charge $2/month for paper statement. They insist I do banking online, which is fine, but I like paper statement. Was a faithful People's customer for 23 years, and could always talk to a real person.

Will transfer you ten 10 and yet will not get any help - ** customer service. Hung up on me. Done with it. Worst bank. People in United bank was the best!! Will definitely be switching my bank. No longer want any service with them.

For the past several months, M&T has declined several of my debit card purchases for no reason. There is obviously a system issue that needs to be resolved, and this is extremely frustrating when trying to use debit cards. I have lost out on purchases, sales, tickets, etc due to this issue. I have filed multiple complaints with their fraud dept with no resolutions and future declined purchases. Unacceptable, and I will be changing banks as soon as I am able. Super frustrating since I’ve had them for years, and have several auto-deductions and direct deposit with them, but this is getting ridiculous.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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."

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.

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.

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.

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.

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.

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.

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.

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!!

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!!!!

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 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.

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.

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.

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.

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.

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.

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!!

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.

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.

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!!!

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.

Absolutely horrible bank! Called Dec 7, 2021. Inquired about getting a mortgage. Talked to Grant who seemed very uninterested in hearing me out about our specific situation (buying the home from my parent’s estate). Grant said he would call me back the next day! Never called. It is now Dec. 23, 2021. We obtained our mortgage with another bank and had closing a week ago. Don’t waste your time! They are not in the least bit interested in your business.

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.

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.

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.

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.

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.

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.

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.!!

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.

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.

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.

We had an insurance claim made and approved by our insurance company. They had to issue the check to me and M+T Bank. 6/2/2021 I sent the check as directed to their overnight address. Received a letter dated 6/10/2021 requesting a detailed work order from the shop who will do the repairs (even though I was never told initially that this was needed when sending in the check). Per Tracking, they received the WO on 7/9/2021 via mail overnight. 7/16/2021, was told they never received it (even though I have proof they did). I asked for a fax number and sent the WO and other documentation to them again. 7/23/2021 and 3 more calls I have no information on where the check is and why I haven't received it. UNACCEPTABLE! Never will I deal with M+T Bank again and once I receive the check, I will be getting a personal loan and pay M+T bank off ASAP!

My husband and I bought our RV and were so excited about it until we began making payments with M&T Bank, which picked up the loan through the dealer. The payment was low, $220 or so, so in an attempt to pay the loan off quicker, we decided to make $300 monthly payments, assuming the additional $80 or so dollars was going to principal only payments. But, apparently, M&T does not do that, they take more interest and push your due date further out, not apply to principal. So, after 15 months of this nonsense, I paid off the loan in the amount of about $26k.

I have had savings and checking accounts with M & T for years now. Lately, the service has gotten worse. Today it hit bottom. I have had paperless statements only for quite some time. Today I got a paper statement in the mail, and it was addressed to my spouse, who is NOT on this account, which is private. Why now? Try getting an email address to manage the issue? Forget it! Phone call to customer service- 20+ minutes wait, and I was cut off two times. Maybe the local branch manager's name to email? Cannot find the name anywhere! Online "other ways to connect"- nada.

Do NOT use this company. I never write reviews but this needs to be said. I have an RV loan with this company and my monthly payment is less than $300/month. I always pay between $300 and $500/month early.... NEVER LATE. I looked at my bill today just to check the balance and noticed that they applied my entire payment towards interest. I called to ask why and they said because I paid my bill early the prior month and then later (AGAIN NOT LATE) the following month that the daily per diem took the extra money. WHAT!!! Was my payment late? No, but it still goes towards the daily per diem amount if you pay it early the prior month and then on time the following month.

I signed up with M&T online banking for a loan for my RV and I wanted to make payments online. You can make payments on their website or by mail. All my bills were being sent to my email but I couldn't get to my online account because I received errors for weeks at a time, with no resolution. Because of these online banking issues I missed the first two payments and it affected my credit score after they reported me. I asked them to remove as a courtesy since it was the first two payments and there was issues in getting the correct payment information but they said they can't.

After we decided to close account, we found out that doesn't provide any means by electronic transfers to other banks. And very limiting amount by Zelle. After we requested the check by secure messaging on bank web, were told, that they don't accept such request. No they accepted such request by phone, even our phone and address they have on file. Bank asked for a notarized! letter, send by US postal service, Over one month passed, after M&T Bank receive such a later, but still no check was send! Bank branch is located too far from us, and bank is open only during day hours, when we are working, too.

I have been with this bank for 7 years and never had any problems. About 4 years ago I had an overdraft and this bank did not charge me overdraft fee because the deposit had made prior to the overdraft did not show on the statement. However, the bank fixed the problem.

I deposited $350 in the ATM machine inside M&T Bank. Received a receipt from the machine saying that the transaction was not completed due to an internal error. I called customer service. I offered to fax or email a copy of the receipt from their ATM machine to prove my claim. I was informed that a dispute will be started. I requested a credit for the amount I deposited until they process their dispute. That was declined even after talking to a manager (Zach). I requested the information needed to file a complaint. The manager asked me to contact customer service again. What? Or he will file the complaint? There should be someone to file a complaint to. How can a manager be unable to provide a customer with info about where to file a complaint in the company. Not sure how long to wait for my money to appear in my account and nobody to talk to except customer service who did not have the authority to credit my account (that what they said).

Original mortgage was with Chase but got transferred/assumed by M&T. Since M&T took over we have seen 30+% increases in our mortgage payment. Every year there are escrow overages, despite having the same insurance provider. We pay the communicated "estimated overage to avoid rate increase" but they have been retaining the escrow overage for several months, still increasing the monthly rate and then hitting us with late fees for the difference. Calls to the customer service number result in 30-90 minute waits with no resolution and the customer service representatives seem unable to access current information and/or resolve issues.

My house loan was with Chase. Never had any issues. Chase sold my loan to M&T Bank. Horrible from the get go. I get bills 2 months away. My checks don't get processed. They simply do not have it together. Next to impossible to get any answers and their website is weak. I would not chose to do any banking with M&T.

Beware! M&T Bank touts "Automated Phone Service," but when I called in I had to give my full bank account no. to a rude stranger or risk being late. M&T is in Baltimore, so "no" postal service "due to covid," I was told, which means my snail mail check payment was late, and w/out notice M&T sent to credit reporting agencies, thus damaging my 822 score by 100 pts. I'd never use them again. Suggest due diligence before borrowing.

We had our Mortgage with Wells Fargo and enjoyed visiting Branches to make payments and ask questions. Then Wells Fargo sold Mortgages to M&T Bank who has no branch in our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On January 1st of 2021 we mailed checks to three places. Two were cashed normally. M&T waited Until the end of January and then assessed a late charge. I made a online payment of the January payment and the next day I did the same for the February Payment.

Attempted to do a refinance with my current mortgage company M&T Bank to streamline the process. I had a great start so I thought with the refinance guy chris whom disclosed most of the fees and made it all sound good. Chris called me back and offered me an appraisal waiver, lower interest than initial discussion as a voicemail I still have and advised I only would have to pull out of pocket 55 dollars to fully refinance my house. I never asked for anything special this was just offered to me and I was ecstatic.

The M&T website is outdated and even the simpliest things, like setting up automatic payments, are difficult. When my bank had trouble with a missing check sent to M&T, my bank couldn't even reach anyone on the phone. I did get a customer service person once, but when I asked questions about how interest was being figured, she seemed confused and couldn't really help much. When I requested a pay-off statement for my loan I was told it would be faxed in 24-36 hours... And it still hasn't come. My advice to anyone is to avoid this bank. There are much better options out there.

Have had a truck loan for 4 years and never missed a payment. My real bank (Citizens) automatically send a check 14th of every month. December check did not get cashed until January 13th and January check cashed the 15th so I know they go out. Of course they charged me a $12 late fee, but did not let me know about it other than posting to my account. Have been trying for 2 weeks to get ahold of anyone there. Phone lines busy, online chat not available, so emailed. Finally got a reply that basically said they are understaffed and too bad. WORST BANK EVER.

Our loan was bought by M&T Bank after Wells Fargo approved our remodification. From day one we had our payment set to auto-draft from our checking account prior to the due date, yet each month would receive a statement saying we still owed over $1600. Each month we would call and were told it was an error, to pay the regular payment amount, and to disregard the erroneous balance due. I NEVER made a late payment with this company. Not one single time. Setting up our online account took months, and setting up auto draft took months.

They keep posted funds from the state unemployment insurance when it has been released. They also kept me on hold for 10 minutes to get an appointment to open a business account and ended up having to call me back. They never called back. Overall experience with this bank has been terrible.

On 1/5/2021 I called because of charges that didn't make on my account, one she didnt flag all transactions and the order operations to help got messed up. She advised me to cancel my card and then transfer the money in another account I had at another bank using Zelle. Once I did that it wouldn't work because the amount needed approval, I got a supervisor name Tammy and she approved it and told me wait 20 mins. Didn't work! I have spoke to A Robert, Andy and Michael. I can't even log into my account to do a transfer of funds and I have bills coming up and I was told this is a tech issue and it SHOULD be taken care of by the end of this week.

The worst customer service ever. IVR does not work. After waiting for 20 minutes, system hangs up and states, cannot take call due to heavy call volume. Goodbye. First day I waited 25 minutes, finally got someone who stated they would fax document to title company. Told me to call back later in afternoon to check. I called no fewer than 10 times and continued to get hung up on by the IVR. Next day, after trying 6 times on IVR was finally placed another 20 minute hold and then "cannot take call due to heavy call volume"... click.... This is not acceptable for a bank as large as M&T. Hire more people if necessary and by all means, fix the IVR or hire another vendor to perform this service.

We have been customers of M&T mortgage for many years since our old company sold our mortgage to them. Tried to refinance simply to get a lower interest rate back in August of 2020. Had the same experience as others. We were strung along for many months, had all of our paperwork in. My husband and I emailed and called regularly, heard the agent that sold us the loan no longer worked there. Finally after many months of no response we were notified that our loan was denied for no apparent reason. It is 3 days before Christmas so now we have to keep paying them with our higher rate for at least another few months while we go through this whole process with another company. They are irresponsible, unreliable, and are not forthcoming with customers. I won’t be surprised if they are in over their heads and out of business in a few years. Can’t stress enough how bad the service is.

There was a good time to refinance our home. I, like many others understand the “COVID” back-log of things. I get it. However, one can assume a typical refinance is between 2-4 months? Right? We began ours IN March. Sent everything they needed the last day of March-that Friday. Patience is a virtue. After some time waiting we got the “COVID reason”. Okay waited some more.. Still the “COVID”. Gave it some more time. Couldn’t get a hold of anyone through email nor phone for 2 weeks from there. Finally talked to someone to come to find out our agent doesn’t work there any longer. OK New Agent. Needs all the paperwork again. Really? Some more time waiting.. Granted at this point we’re about 4 months into this. Waiting. Waiting. Waiting. Try to reach out and wouldn’t you know. THAT person has moved on.

RE: credit card. I have an M&T Credit card, just got it thinking it would be easier to use my credit card for online purchases instead of my debit card. It's not a bad credit card actually, pretty decent rate compared other cards with high rates. It's just difficult to reach customer service if you have a dispute. You are on hold a very long time before anyone actually picks up. Same way with the banking side. With my other cards if I have any issues, someone picks up pretty quickly. Also important to note that if you do have a dispute, like I did with a company that never sent a product, but charged my account- M&T's policy is up to 60 days before you will see the charge reversed, which I think is a bit ridiculous as my other card has resolved any disputes within a much shorter time. All in all M&T is not on the top of my list for banks to deal with if you are someone use to better service and quicker response times.

After many calls to Google and M&T I was advised to dispute charges.

We had our 30 year mortgage for 10 years when Hurricanes Laura AND Delta hit us. After tarping our entire roof in 1000 degree heat & living off generators for a month to run the AC inside to minimize Sheetrock damage & then putting 12K on a credit card to pay for a roof just so it would stop raining in our house...this lender STILL refused to release any of the insurance funds for repairs. They wouldn't even reimburse us the roof. Said they would only release funds once 100% of repairs were completed. How exactly do they expect people to afford repairs from 2 BACK TO BACK hurricanes when they are holding every penny of the money insurance paid out that was meant to make those repairs?!?

Loan 9/26/2020 through Camping World where we told we could not pay this off for 7 months even though the contract said we could. Borrowed 23,767,95 at 6.74% interest (which is robbery) but we agreed on it because we were gonna pay this off quickly. No account number was available after 2 calls to M & T. in week 1 and week 2. Finally in week 3 a man at M & T Bank (didn't get his name) gives me an account # and P. O. Box to mail payment. I mailed this payment of $17,000 to this P. O. Box in Baltimore 10/17/2020. Around 10/22 or 10/23 I received a Loan statement with 1st Payment due 10/26/2020. I checked my bank account and the $17,000 never cleared the bank. 10/26/2020 it still hadn't cleared so I called M & T Bank around 10AM.

Note from insurance dept. Deductible of homeowner policy not to exceed maximum of 5% of policy coverage. Present deductible is 4%. Customer service not able to clarify. Verbal contact with insurance dept next to impossible within a reasonable amount of time. Questionable ethical considerations here.

I have banked here for 25 years but suddenly every time I use Zelle I get blocked and receive a dumb email about suspicious activity. Yesterday they blocked me from ordering online think! I have called them multiple times and they always override it but now say they can't. I think M&T continuously blocking my zelle contractions while simultaneously encouraging its use and then refusing to override the security block is suspicious activity. I work two full time jobs and I resent M&T holding my money hostage and am taking my business elsewhere and will be closing all my accounts with M&T very soon.

Generally I am satisfied other than not processing my direct retirement deposit immediately. Other deductions taken from this payment with other institutions are done immediately. This is a Federal payment which should not have any "hold" on it. If the established deposit date is a weekend or holiday The deposit is not shown until the next business day.

Well first of all, they never communicated with me at all on initial loan. I had to call them to find out how and when my invoices would come to me. When I called them they were rude and very cold. Also could not give me a straight answer. The loan it self is confusing. I have had numerous home, auto, boat, jet ski and travel trailer loans and I have never seen this one set up the way it is. There is no consistency at all on how the interest and principal is charged. Now this being my second travel trailer, my other creditor that was used, charged the same interest monthly and as the principal went down so did the interest slightly.

They screwed up and said payment was not there so we stopped payment on check and made another one. 1:36 am the check clears and they are now holding the extra payment hostage knowing I need meds and groceries. They are lying pieces of work. They now are going to make me wait another week to get funds because they are sending check by mail instead of putting it in my account. They know I need that for my medicine and groceries. Been a week without medication and now no groceries. I have never been late 9n payment in 5 yrs and they act like I am a thief. They are heartless, lying people.

I paid off my RV ($205,000) loan, and check was cashed three weeks ago. I still haven't received my title yet. Have called various numbers and customer service, always on wait for 15-30 minutes and can get no answers from anyone as to the status of my title. Very poor customer service. They sure jump on you though if your payment arrives a day late.

This is not a bank, it's a time machine that sends you back to the 19th century. You cannot do anything online, you cannot even PAY your credit card if you don't have a checking account with them, you have to mail a check, and this is 2020, "digital age", not for them apparently! Then, try to look up your statements online, again, no luck, you have to "request them" if they are 3 months, really, only 90 day record shown online, for others they have to fire up the printers and mail papers to you. Also, customer service folks are instructed to give absolutely nothing back, even after you request pandemic HELP, that they openly advertise, but if you ask about it, they tell you to go in DEFAULT and then, they will "see" what they can do to "help" you.

I went through the outside teller lane, as required, to deposit $3,000. Was provided a receipt for $2,100. Disputed this and was told throughout the day that all the records were correct and that there was no evidence of the “extra” $900. My husband and I were complaining while in the care waiting twenty minutes for a teller and firmly believe he heard us. We believe there is “no evidence” because the money never made it through to be counted and disappeared in a matter of three minutes after sending it through to the teller. Situation remains unresolved. Reaching out to the regional manager and also visited the local police. Will keep on this until it is resolved and will close my account immediately following. Be very, very careful! With Covid-19 you cannot be in front of the teller when your money is counted and you may be taken advantage of.

It is now the 18th of June, 2020 and the branch I frequent is still not permitting customers in the lobby! The drive-through lines are RIDICULOUS! And closing the branch at 3:00 on a Friday in recognition of Juneteenth—how is that going to change people’s beliefs and values? So weary of various institutions making decisions based on their beliefs and agendas impacting my life and my business. This is not good customer service to those who have been long time customers.

In the current environment I have to make an appointment to enter the branch, that's fine. I made an appointment for 1pm on a Friday. I arrived on time and there was already someone in the branch. I told security I had an appointment. An employee came to the door and spoke to me through the glass, which I couldn't hear. Since we were both wearing masks this seemed unnecessary and inconsiderate. Once she opened the door she explained that only one person at a time could be in the branch. I asked if I could sit on a chair in the waiting area, which was at least 10 ft away from any office or the teller line, and was told no. So instead, I waited past my appointment time, in the vestibule, less than 3 feet from customers who came in to use the ATM.

I pay extra every month and they will not put it toward the principal as promised. The interest keeps going up. I called and they wouldn't give me the payoff amount. I am currently trying to reach officers with more authority.

Ok so a little back story, I started a construction corporation with my husband and made him 70% owner for minority business purposes. Anyway I handled all the business financials. I got along great with the people in the branch near our business. So great that I thought they understood my unique situation. Not so. One day I took the kids and fled for my life and am now in a state that has no M&T Bank and no crazy man. My ex was somehow able to remove me from financial point of contact on the business accounts and changed the passwords to log on. In other words restricted my access. The bank never asked me if this was ok!

I fell behind one payment in January (mail fraud). Agreed to make payments to catch up. Have been paying extra doing so for 3 months. During Covid, today I attempted to make my monthly payment with extra like I always do. The rep told me today, "I cannot take your partial payments, you need to pay in full or I can't take it all." I said to her, "Miss, you mean that I cannot pay my Mortgage because you cannot take extra, I have been doing this for 3 months." She said that is correct. So now my mortgage is late, my past due is late, they repeatedly charge late fees and Overage fees for a known M&T mail fraud scandal that was noted on my account. I just went on the website and paid my monthly mortgage, there is no option for partial payments, now I am going to the bank to have them place my monthly overage in the balance. This has been the worst experience of my life to pay someone, all while dealing with the stress of Covid-19.

Received a $400 cash bonus mailing promotion. To qualify, must:

M&T helped me refinance when Bank of America was involved in fraudulent behavior. I became ill and needed to refinance. BOA continued to lose my paperwork and eventually sold my loan to M&T. I was as able to refinance upon my first submission of the paperwork.

Easy process. Always someone knowledgeable to talk to. When I wanted to draft my full payment in half they made it very easy. Overall easy to do mortgage business with them. I also had to do a loan modification with them and they made that super easy as well.

I had taken my son to a doctor's appointment and when I went to make the co-payment for the visit, my card was declined. I used another card, but I knew I should have enough in my account to cover a $25.00 co-pay. I checked my account online and my balance was minus $1,309.00. That's NEGATIVE $1,309.00. I made 2 mortgage payments on Friday 02/21/20, and those idiots charged me for FOUR PAYMENTS!!! I'm still livid even though I've asked my bank to stop payment on these transactions.

On January 7, 2020 afternoon I arrived at M&T Bank to cash a check from my employer. I waited in line patiently to be soon be called on. The service associate informs me that she can assist me. I inform her that I would like to cash my check and provided her my identification card and check. The service associates take my check and begin processing it (at least I thought). I noticed that the service associate was very quiet, not communicating and flicking through her computer screen as if she was trying to find something.

The detailed complaint has been published with the Better Business Bureau. In general, they mishandled an invoice from my insurance company and then purchased lender placed insurance on my behalf without informing me. They claimed they didn't receive an invoice even though I showed them a letter from my insurance company correctly addressed with roughly 70 other customers who had their portion of the invoice taken care of. They then claimed they sent me notification by mail that I was going to lapse in coverage, which I never received. So basically, them "proving" they sent a letter by showing you a copy of a printout suffices when they need it to, but you showing them a printout of a letter addressed to them is not good enough when it doesn't benefit them. They charged me and went about their day after me trying to resolve the issue through multiple avenues. Avoid them as best as you possibly can.

Stay AWAY from this bank!!!! The worst experience in refinancing. 3 months, rate went up from 3.5% to 4%. Closing cost doubled!!!! All this with credit score over 820. Refinancing current loan with the same bank. Run away!!!!

James ** that heads the retention department and Cathy ** who heads asset department have placed a repossession on my credit. They picked up my car without my consent when all the payments are current and I have never missed a single payment. Account is still current and I can never get anyone to respond to my call. Also they refuse to give me their emails and never give me the bank statements. This is the worst experience I have ever had in my entire life. Currently am still looking to see who in the bank to report this customer abuse but I cannot reach anyone.

Absolutely the worst bank we ever had to deal with. Too much to write in a few sentences but everything from their billing practices, payments and even customer service. Would never EVER use them again. Switching our car loan as we speak.

We had someone use my husband's bank card to order items from various companies. We contacted the bank when the charges were still pending to report they were fraudulent. This was a Sunday. On Monday my husband contacted the companies and three of them were able to contact their delivery company and recall the packages. The fourth never processed the order because something about it set off their fraud alert. This totaled over $900. The company that did not process the order did not charge our account. The other three companies have confirmed they have spoken to M&T and verified they have their items. None of these charges went beyond pending.

This is the worst bank ever. The mortgage modification process has been incredibly frustrating and abusive. Nobody should have to go through what I went through and they still don't have it right. These little creeps sit in their offices collecting their paychecks and drive people crazy with unprecedented levels of incompetence. Excessive hold times, transfer after transfer, lack of organization, nothing ever confirmed in writing, changes to the amounts due, additions to the principal, escrow amounts unclear, asking for the same paperwork repeatedly. A total nightmare. Moreover, when I filed the paperwork they denied me within one week. When I retained an attorney, she submitted the same papers and they approved the loan. I have just filed a complaint with the Banking Department.

I have been banking with M&T bank since 2000. Recently, M&T Bank has required disclosure of detailed personal information from its customers. The reps from the bank tell customers that it's a requirement under Federal Law to disclose this information to the bank. If the customer does not provide this detailed disclosure of personal information, the bank UNILATERALLY freezes the customer's funds and assets.

I am aware that mortgage companies have protocols they follow, but I believe common sense should trump protocols in certain cases. My home is in pre foreclosure (I lost my job and got 4 months behind). I finally decided to sell the home when I could not come up with the 12,000+ to get caught up on payments, as I have/had a substantial amount of equity in the home (80k). M&T Bank will not even consider postponing the foreclosure auction date by one week, even though I have received an above market value offer on my home through a real estate agent. Because of ”protocols”, M&T will now lose money (auction vs. full loan payoff), my family of 5 will lose all the equity we have in the home, and I will have a foreclosure on my credit.

I opened my account online October 22, 2019. Today is Nov 26, 2019. As of today, my account has been open for 1month and 4 days. Prior to opening my account online I was asked to deposit $25 at the branch or transfer it from my other account which is with another bank. Since then I have transferred all of my money from that bank account that I used to bank with to M&T. In addition to closing out my other account M&T has caused me so much financial problems, cause my credit score to drop because of negligence from the security department.

I decided to finally open an account at M&T due to a branch being close to my home and me always visiting the branch to cash my employment checks. I received my banking card around last month and ever since I received it I have had issues with the card due to the chip not working and most stores not having the tap to pay system. Most recently every time I used my card it would be reported as a suspicious activity. I made a recent deposit and went back to get cash out and my payment was declined. I tried to cash app my daughter who is in college and again declined. Money was in my account but it was again reported as suspicious.

My commercial loan was up for a renewal. Chris from M and T did the loan. After the closing costs of $2,483.50 Chris said the payment would be $2,612.29 debited from our checking account each month. Mind you this is a 5 year renewal and would be the end of the loan after that period. I received my 1st statement and the amount to be debited was $3,830.36 so I called him and questioned it. He replied, "Oh that's not right. Let me check into it." Then he was out on leave and never got back to me, so I called the manager of the Cherry Hill N.J. branch Frank and he said he will look into it. Finds out Chris never spoke or disclosed to us that the taxes and insurance had to be added to that. Well $1,200.00 is a big chunk of money not to disclose to us.

I am a person that lives paycheck to paycheck. M&T is allowing funds to come out of my account when I asked them not to. In addition charging a $38+ Insufficient fund fee for money I specifically told them not to take out. It doesn’t take a college graduate to figure out that if it isn’t there then there is no money to pay out. Them doing this is going to cause a chain reaction of other problem. This is theft in my eyes. Way to think about the consumers M&T NOT!!!!

M&T has provided me with an option to apply for a loan modification which I did & continuously followed up. I call them all the time to get a status & make sure they have all they need because they told me they will be in touch with me at least every other day & have not. I have now been told 8 different stories & there is no consistency. In addition they took my own money sitting in a suspense account & that was an overpayment and my money to be used toward a payment.

The customer service department is horrible and the thief defense department is worse. Nobody is up on their job. It took 2 to 3 days for them to make me aware of suspicious transactions on my card and if I didn't call them call I would not of known. There is no consistency in the work effort of this company and I will never bank with them again. I closed my account after 2 months.

I applied for a mortgage modification and submitted all the correct paperwork. I was denied in less than a week. I retained an attorney who submitted the same paperwork and I was approved. Payments were determined and I have paid according to schedule. There is a three month trial period and every month I get a threatening letter that I am overdue. They also were supposed to pay my homeowner's insurance and did not. I've spent the equivalent of months on the phone straightening out their SNAFUS. Their answer is the letters are "computer generated." What do I do when the computer generates a foreclosure letter? This bank is horrible.

M&T bank lost $ 53,000 when they wired my money to another bank for a loan payoff. After calling many times to correct this issue they refused to even look at the matter. Thinking the loan was paid I stopped making the payments only to find out three mos later it wasn’t in which destroyed my credit rating. Beware! Corruption is their game.

My loan was transferred months ago to M&T bank by Wells Fargo. M&T bank only has east coast hours and east coast locations. I have been trying to work with them and they are impossible. I pay on time every month and they claim it late every month. I have proof from my bank yet M&T refuses to acknowledge my payments are made on time. I have seen numerous complaints with this exact same scenario. This is how they operate. Wells Fargo was wrong for transferring any loans to them. Neither party will admit they were wrong and the customers are the ones paying for it.

I have a acct with M&T Bank. I wrote a personal check to someone and Even tho I have a acct they charged the person 20% that doesn't have a acct but my check is thru them. Then they told the person they had to come inside to cash the check even when they provided her ID So the person had to drive out the drive thru park go into the branch Just for them to hand her her $. Now I don't know about anybody else but M&T Bank is making $ off of people that has a acct there if they write personal checks. I have a acct in Cambridge MD and I'm very disappointed And I wonder if other M&T customers know about this. If they don't they will now...

Pls do not bother yourself to accept M&T's pre-approval 0% $150 cash bonus credit card offer. M&T's credit card online platform is the worst outdated n inconvenient site I've ever seen:

We tried to move our IRA to another bank and they had us fill out a form, notarize and mail it in in their self addressed envelope. They then claim that they did not receive it and rolled over the account into another year at 0% interest. We have called several times and spoken with rude agents who insist it was not received. They did it intentionally to keep the money and not allow us to move it.

I called to speak with a refinance agent on Friday. I was told I would receive a call in 1 business day. Unfortunately it was 2. After speaking with Karen this morning, she was going to call back at 4pm after I had all my paperwork. She failed to call. I have an interest rate of 8.375%. Nice to see they care about veterans way less than a civilian.

I have tried to open an account for the first time with them and have direct deposited 4 checks into the account. Now when I try to use it they are demanding documents and claiming I have not sent to them after having their own bank managers fax it to them. It has been a disorganized untruthful mess from the get go and based on my experience so far I highly doubt they are going voluntarily compensate for fees I will accumulate based on their lack of diligence.

I contact the number 18007246224 to ask question about my mortgage that was transferred from Wells Fargo to M&T Bank. The guys did not let me talk and hang up on me. I kept on calling and he wouldn't answer my calls... This is so upsetting. How can I have my mortgage with a bank that does not care about their customers concerns!!!! If I could give -10 Stars I Would. Oh Wait I just did!!!

This bank is the worst. First their online bill pay goes down for over a month, then we call them. They want an additional $8.00 for a convenience fee to pay them over the phone. After we pay they didn’t process the payment till it was past due. Thank you for being the worse bank ever and for making us look like we don’t pay on time. We have never been late on a payment for anything, and you all just ruined our credit.

I’m in the process of selling my home, and was curious as to whether the payoff would be more or less than my account balance. I called the mortgage dept. at M&T with this question. I was told that I could get my exact payoff for no charge. The rep. gave me my payoff and said she would also mail me the payoff. I told her that it wouldn’t be necessary since she gave it to me over the phone, and that the sale of the house was still a month away, and I was just curious. She stated she had to mail me the payoff, as well as the verbal over the phone.

When I purchased my home the mortgage was through Starkey and about a year then it was sold to Wells Fargo. Wells Fargo had our mortgage for probably another year before it was sold to M&T. Never had a problem with escrow or anything else until M&T came into the picture. A month after the transfer, which I had no say in, I was getting letters saying my escrow was short by $4,000. My total escrow was less than $4,000. I let them know I would have to split up the payments but they won't accept split payments.

I had my mortgage with Wells Fargo. I was very satisfied with Wells Fargo service. My mortgage was sold to M&T Bank. M&T Bank sent a letter saying my hazard insurance was expired and they buy insurance for my house, which is significantly more expensive than insurance I can buy myself. They supposed to communicate with my insurance company similar with Wells Fargo was doing. They wrote a letter one day after my insurance was expired and I received the letter two weeks after they wrote the letter. I was extremely upset about their communication and how sub rate Bank and be different with Wells Fargo. I do not like this bank. Never had an issue with Wells Fargo. If you mortgage is sold to M&T Bank, please be careful about the insurance transformation.

They said that they'd reimburse me. Then they said "No"!!! I am a long time customer of this bank, and to be treated this way is disgusting!!!! I lost over $600 in a scam, and the bank scammed me, too!! I should get my money back!!!

This bank, M&T, has got to be the absolutely WORST banking experience EVER. My son has an SSI account. These people continually charge his account for a disabled person huge fees so that his account is overdrawn every month. This is ILLEGAL and dishonest to say the least. I have attempted over MONTHS, not days, to correct this issue. They don’t want to. As soon as I am able I will be moving his account elsewhere. Complete and TOTAL NIGHTMARE of a company.

Large bank with a home town feel. Very personable, professional and friendly. They have made recommendations for me and my accounts that I have with them. They also do excellent follow-up on any questions you have about your accounts.

Teller was rude, she seemed very annoyed. I get that you could have a bad day but please leave your nasty attitude at the door when you come to work. I'm surprised that I kept my cool throughout the entire process.

Customer service is very much lacking in current processes, I am in active bankruptcy and there is no option for a BI-weekly payment for me due to that, even though the mortgage is not and I stress not a part of my bankruptcy. I am treated as second rate customer not worthy of value. I have reached out to the bankruptcy department to leave numerous voicemail messages and zero callbacks from them. To set the record straight, I did not acquire my mortgage through M&T Bank but was a victim of a sell from well known Wells Fargo (Who at least did do the bi-weekly payments), with a promise that all would be seamless, well it is not.

If I could give ZERO stars I would!!! This makes no sense at all how they have an A+ with BBB. They must pay BBB for this rating. It's obvious by reading these reviews that an A++ is unachievable for this firm. This is a miserable company. Forced into a mortgage with them many years ago. Every year their representation gets worse and worse. 2019 they have hit rock bottom on customer service. M&T Bank fraudulently filed foreclosure on one of my properties after they wouldn't accept payment due to their 'systems being down'.

Chase sold my mortgage to M&T Bank. This bank does not have any branches west of the Appalachian Mts. So if you live in 3/4 of the rest of the country, you can only bank online. Their online banking system is misleading and only has a sparse amount of information you would find on any other banks online banking. My main problem is I have been trying to pay my mortgage for 2 month now without any luck. I even opened a checking account to put the funds into for easier payments. This has not been the case, I have made several mortgage transactions online that I received a confirmation of the payment, only to find out that the payment was not made.

So previous we wrote on how back dealing with these people at M&T Bank especially the Parsippany NJ branch. From day 1 we began to get so suspicious of their actions that it didn't take us long that we demanded our bank accounts closed. They have a scam that will "blackmail you" into and is that you'll get hit with a fee if you close your account within 6 months of opening it. Never heard this from any bank around so that's one reason why you should steer clear of them. Did not give them any information regarding email addresses then all of the sudden about 5 weeks after opening my account, I start to see fake emails from M&T Bank saying my account was hacked and I was to click a link to validate my information.

So I first opened my bank account 4 months ago. Within the first week I was flagged for fraud. I purchased movie tickets then tried to use the vending machine to get Skittles. It declined it for fraud. About a week or 2 later declined again for fraud to pay my cell bill. After having conversation about how annoying this was she assured me it was for my protection so I calmed down a bit. Everything was fine for a month then we had a charge go through of 1800 dollars that was not ours. So you decline charges because they look suspicious but when a real charge comes through that is not mine you let it go through. Wtf. I’m switching back to my old bank. Clearly this bank can’t be trusted.

Unable to log in. They've been "experiencing difficulties" for at least a week. I assume this is something about my personal account because no bank on earth remains offline for an entire week, so this message is complete bs. I have banked with at least 20 banks in the last decade, and between the rate and the service, this one wins the plastic craptastic award hands down.

We recently obtained a loan for a travel trailer. No one would do a small loan, so we did a bigger one knowing would be paying a big amount. We have come to find out, you can not make a payment and have all go to principal as we do on our mortgage. Buyer beware!! If you want this option... Go to TD bank. We just put a 5000. payment on MT Bank extra... And charging interest. Will pay off with a TD bank loan - little more interest rate - but not really. Stay clear of this bank.

I had Wells Fargo, they were great! This bank was sold my mortgage 4 or 5 months ago. Just made my mortgage and a little extra. M&T decided it would be a great idea to make another identical payment couple days later overdrafting my bank account! Best part of all they admitted this!! So their solution is for me to FAX proof my bank paid their extra payment. Fax!!! Who faxes today? Do they still make fax machines? I digress. Never mind overdraft bank charges! Oh, I'll have to wait 10 business days. This bank is so small and 1980's. Beware!

Wells Fargo why did you betray me by selling my mortgage to this sub rate company? Absolute nightmare. Where do I begin? They sent a letter saying my mortgage payment would be debited June 17th. Well of course it was deducted June 10th before date. In the meantime I advised them to postpone the payment, I would make it directly. None of this happened. They debited my account twice overdraft fees the hole nine. The last gentleman out of ten reps of course told me to fax in information from the bank. Well of course the bank has to mail a letter which takes 5-7 days. Trying to keep my mortgage in good standing and calling every other day is noise in my day. I hate this bank. Never had issue with Wells Fargo in almost a decade. I must get away from these idiots!

Today will mark the 4th month reaching out to this company. I finished paying off my car in Feb. 2019. I had my information changed a year prior due to a repossession and did not want to go through that mess again, if it were to occur again. They stated the info was never changed and the title was sent to the wrong address. So now I have to wait for a lien release so I can get my Title. Under the state of Florida the title will come out to 86.00. That is not something I have on hand. It's been four months and not even a lien release has been mailed. I would not recommend this company to anyone with the trouble I've had with them. I have no proof the car is mine now. I am due to move soon and I would like to have this resolved before then.

Racism! I'm not an M&T Member but receive a check issued by M&T each month. I'm having surgery a day from now. Decided to cash the M&T check instead of waiting 3 days for it to clear my bank so my family would have the resources. Sadly, the ** Bank Teller was very rude and nasty to me for no reason whatsoever. Questioning my bank of choice. She treated me unfair, disrespectful and very unkindly because I wasn't a member of the M&T team. She took my Driver License and then said, "Non members pay a $20 check cashing fee."

Ever since my loan was sold to this company I have had nothing but headaches. I am now in the process of selling my home and have been trying for over a week to obtain a copy of my Payoff Statement for the closing, to no avail. They continue to say they are faxing it, that it will take 24 hours (????) and it never comes. The function on their website that is supposedly in place to allow you to request a payoff statement online has been disabled/dysfunctional for over two weeks. They do not respond to any online messages I have submitted. I am at my limit with this unprofessional, borderline fraudulent company. Avoid doing business with them at all costs.

We just opened an account with M&T about 8 weeks ago. Hubs gets his paycheck because they don't offer dd. He stops by the bank every Wednesday, cashes the paycheck which is drawn from M&T, keeps a bit of cash, deposits the rest. The deposited money is ALWAYS available right away. Well, this Wednesday, when it was crucial we get our money, the teller gave my husband cash, but deposited the remaining $900 as a check! We don't know how she accomplished that when she gave him cash. The check was $969, she gave us $69 cash, and STILL deposited the $900 as a check. Ugh.

My mortgage is with M&T. I had a water leak which required a huge repair. After filing a claim the insurance company sent a check with M&T and my name on it. However, the insurance company refuses to release the funds to get started on the repairs after sending in all the required documentation. I don’t recommend using this bank at all.

Opened business checking at the end of last December. Was an $300 bonus offer - $5,000 daily balance for 4 month. Location was not convenient, so didn't have time to use it. A few times past by that branch - 0 customers every time. No transactions, no checks, etc. Just kept $5,000 for 4.5 months. Met all bonus requirements. Bank deposited $300 bonus in mid April. Needed money and came to a branch to close account. Was charged $110 just to close an account - 4 different fees. Hope some other bank will buy them, otherwise they go out of business.

The first problem I had was my card not working anywhere I went, it had to be scanned multiple times. A fresh card that doesn't work, shows how much they spend on their cards. Also don't ever deposit a check into M&T Bank. I deposited $800 and it has been on hold for over 2 weeks and they say they can't do anything about it. I will definitely be leaving M&T and be going back to ESL because it has been nothing but problems with M&T from the start.

Dont know why we ever decided to open an account with these people. In through one ear and out the other should be their new slogan. The most moronic people you ever meet! You tell them to do one thing and they do the exact opposite. Opened 2 bank accounts and they totally screwed up the paperwork. Gave them an address and specifically told them dont send any mail there. 1 week later, getting tons of junk mail to an address I never did before dealing with these morons at M&T Bank. Gave them a PO Box address and told them specifically to send everything there.