M&T BankReviews of mtb.com

Mortgage is through M&T Bank since they bought the loan. Escrow amount was short, so I tried by calling and making a payment over the phone. Representative said there's No way to make phone payment for that, and she was very RUDE. Tried setting up online account to make payment. After 2 failed attempts, and speaking to Technical Support Twice, couldn't set up account. On the 3rd try, was on hold 30 min, and once they answered, they immediately hung up on me. I would NEVER use this Bank for my personal banking. Only deal with them because my loan was acquired by them. Everyone else's reviews are spot on that I have read. Another worthless Bank.

I received an alert on my phone saying there was fraudulent activity on my card @2:45 on 5/17/26 I was told on 5/17/26 it would take 7 - 10 business days to receive a new bank card which should have been 5/26/26 or 5/29/26. I did not receive my card on either of those days. So I called last Thursday 5/29/26 to find out where my new card was. I was told that the card was canceled on 5/19/26 which was 2 days after I called and canceled the card. So now I was told I would get it on 6/1/26. Today is 6/1/26 NO CARD!!!! I work 8:30 - 5:30 M&T is open 9-5 impossible to get to the bank when it's open. I work half day on Saturday morning so guess what I have no access to getting cash. I was able to get money by asking people to go to the bank so I could pay bills. I have no cash for food for me or my dog. It has been 10 business days and 3 Sundays, 2 Saturdays and a holiday no card. I called when I got home from work to find out where the card is, not in my mail box. No one mention expediting the card until tonight. Now I have to wait 3 more days to get a new card expedited. I'm living on bread and jam due to not being able to get cash to buy food. I have had all I can take with M&T. I will be get a new bank. This is insane I am SOOOO ANGRY WITH M&T BANK. The customer service are useless.

I would give zero stars if possible. This bank is awful.. The staff have no clue what is going on. Speak no or little english, rude, obnoxious, sarcastic and down right deceitful..Demand our payments with zero service. Shame on you M&T All of you lazy do nothing nobodies in the front office should be fired...immediately

They are a mediocre bank at best. The staff at the Shelton CT locations seem like you are bother to them. The worst thing about M&T are their hours of operations. Prior to the merger, I was a loyal Peoples customer. They had hours that were convenient to the average customer including branches in supermarkets. The supermarket branches truly accommodated clients that worked Monday-Friday by being open on Saturday AND Sunday. Now, sadly M&T has abandoned their core customers. The branches go dark on Friday afternoon and open again on Monday. They will tell you many of their services can be accomplished online, yet there is a lot that requires being in the branch. That means I, like many other customer, have to take a day off.

Horrible dealing with them. My sister had her auto loan with them and after she passed, I handled the estate. We paid the balance off on the loan, then waited, and waited, and waited, for the Lien Title to be released. Called twice, told it should be coming "soon". Third time? was told, "oh, different procedure when it's an estate" and then the gave us a laundry list of what they "needed" in order to issue the title. Am still waiting on it. And by the way, if you are a customer, be aware. There automated system and customer service identifies you by the account number AND the FIRST FIVE digits of YOUR Social Security Number. Hmmm...let's see, if a hacker gets a hold of anyone's account, where the more typical LAST 4 digit of Social Security is on file...connect the dots. A hacker could absolutely have access to ALL accounts held with M&T Bank with their stupid First 5 digits - who was the genius who thought that up???

One of their most aggravating practices was that once my home loan was paid off, M&T quickly blocked online access to my mortgage account and documents. Customer service confirmed this was “standard practice.” That meant I suddenly lost access to years of loan statements, escrow information, tax records, and payoff-related documents right when I most needed them for reconciliation and recordkeeping. I got no notice that this would happen,. Getting help was also extremely difficult. Reaching a live representative required long hold times and multiple calls. Once connected, the staff, although polite, seemed unfamiliar with handling broad documentation requests from a customer trying to assemble a complete mortgage file after payoff. For example, I requested copies of my mortgage-related records — things like the appraisal, title work, settlement documents, payoff records, and other key loan documents. Rather than providing a complete package, representatives insisted that I specifically name every individual document I wanted, some of which turned into special requests. The process felt unnecessarily rigid and confusing, especially for records they clearly knew how to retrieve internally. I also had ongoing issues from the past few years involving property tax bills during periods when my tax assessments were under appeal. Despite the fact that I maintained an escrow account specifically intended to handle taxes and insurance, M&T repeatedly insisted that certain “irregular” tax bills were my responsibility to pay directly rather than processing them through escrow. This created unnecessary confusion, duplicate tracking, and concern about possible delinquency issues. The mortgage itself eventually was paid off correctly, and the lien release was ultimately recorded. It was very weird that I got "automated" letters as part of their payoff process, in old fashiond type face in faded ink, making them difficult to read, part of the reason I later called again, requesting electronic versions. The servicing experience — especially during the final payoff phase — felt automated, opaque, bureaucratic, poorly coordinated, and far less customer-friendly than it should have been. After dealing with multiple servicers over the life of this mortgage, M&T stood out for poor communication, weak document accessibility, and a payoff process that placed too much burden on the customer to navigate their internal systems. It worked for many years but I guess once the I made my final payment, they did the basics, I assume correctly, but then just wanted to be rid of me - hence blocking my online access include that of my final 1098 this year. Keep in mind, my mortgage was transferred to M&T Bank as a loan servicer after several earlier lenders/servicers over the years. I did not originally borrow from M&T.

Does anyone actually work at this bank or is it all automated??

Worst bank ever in terms of service and knowledge. How do they stay in business. Banker actually told me that if I pay $20,000 towards principle on my auto loan, my payment amount and length of loan do not change!! Can you believe that. Had to talk with 3 people before talking with someone who had some knowledge. OMG never bank here. 😩