M&T BankReviews of mtb.com

If the Trader Joe's parking lot mated with the Samsung Galaxy Note 7, and then THAT child mated with Apple Maps, and then THAT child mated with the DMV on the last day of the month, then THAT child mated with the Microsoft Zune, you'd get this flaming piece of hot frustration garbage. Only works in Microsoft Edge, a browser with a 5.58% market share. I had to download it specifically for this purpose. Clearly, MTB made a mint on that little deal. And that's only when it actually works. The scanner constantly jams. I have to redownload the driver every time I deposit checks. It's actually faster for me to drive to the bank and deposit the checks the old-fashioned way. MTB needs to fix this system. It's 2026 for crying out loud.

DO NOT GET A PERSONAL LOAN FROM M&T. I have a mortgage through them, like any other bank it's straight forward and easy to make "Additional Principal Payments". However, on their Personal Loan portal, there are no options to submit Principal only payments. They provide two things, payments made and upcoming scheduled payments. But if you try to send multiple payments a month, they will ALL be allocated to INTEREST. Making it extremely difficult to pay off your loan. Just be ware of them. If you absolutely have to get a loan, I recommend looking into SoFi or Upstart first.

I would strongly discourage anyone from using M&T Bank for a mortgage loan based on my recent experience with their lending process. This was by far one of the worst loan experiences I have ever encountered. The loan process dragged on for approximately seven weeks, including more than three weeks past the original closing timeline. Throughout the process, the lender continuously requested additional documentation with little explanation and gave very poor communication regarding the actual status of the file. After weeks of delays, we were told the loan had already been approved by underwriting and only needed a final secondary signoff. Everyone involved in the transaction relied on those representations and adjusted schedules accordingly. Then at the very last minute, after multiple extensions and significant disruption to all parties, we were informed that the second underwriter would not approve the loan after all. This created a domino effect involving multiple closings, movers, scheduling conflicts, and major inconvenience for buyers, sellers, agents, and title companies. The lack of communication throughout the process made the situation even worse. Repeated requests for updates and clarification were either ignored or answered vaguely without concrete information. I understand that underwriting issues can happen with any lender, but the way this file was handled was completely unacceptable. Important concerns should have been identified much earlier instead of allowing the transaction to continue for weeks while everyone was being led to believe the loan was close to closing. Then at the last minute, they would not approve it. Based on this experience, I would never recommend using M&T Bank for mortgage financing.

Horrible mobile banking experience. Attempted multiple external transfers unsuccessfully. None of the employees were able to resolve the issue. Closing account after a week of wasted time and frustration.

Someone had written a personal check to me that was from M&T bank. I took that check to a M&T branch to cash it and they rudely charged a fee of over $10 for a $520 check because I didn't have an account with them. Well, the customer issuing the check did, so why the heck would I be charged. How disgusting of a way to do business. Also, the teller was not customer service oriented. Rude and undermining. I will spread the word of this below average bank. I have accounts elseand was only cashing here as a convenience to me. Definitely didn't turn out convenient at all.

I went to the Wilmington, MA M&T branch on 5/1/26 around 3pm. I tried to withdraw $100 from the ATM with the hope of using that money to open an account with M&T. The money didn’t come out of the atm but it appeared withdrawn on my online account for my current bank. I went into the branch to report this happened. A nice gentleman tried to help me. One of the tellers, an Asian lady, was extremely rude & lacked compassion. She told me there was nothing she could do & to file a claim with my bank. I am so upset because although $100 may not seem like a lot, it was for me. To be dismissed in such a heartless way is the reason I will now or ever open an account with M&T. I have started to tell my friends & family of my experience & I will share this experience with as many people as possible because no one deserves to be treated in such a way that makes you cry.

Please 🙏 do yourself a favor and RUN from this bank, customer service is unprofessional and emotional, they hang up on you, they're rude and trying to pay your mortgage to them is like pulling teeth, they say they took the payment then you get zero notification the payment never posted then all of a sudden you're late and they ruin your credit score , They blame everyone else but themselves. They are a total NIGHTMARE, M & T banks hires trash people with zero professionalism & communication skills. RUN! Save your sanity!

Horrible customer service and communication. I lost my credit card on April 4th and was told a new one would be sent in 7-10 business days. On day 11, I still had not received my card and was told by phone representative to try going into a local branch for assistance. So I did and they saw no records of a new one ordered so I requested expedited next-day service which they claimed they put in. We'll 5 days later still no card. Went into the app to request a new card because the humans weren't doing a good job. I did get an alert that a new card was sent, but none has arrived yet. A credit card is pretty vital to a person's existence in today's world. This is unacceptable. The worst part is that they do not provide a tracking number to the customer so that we can see where it is in the shipping world. Not a professional way of doing business