M&T BankReviews of mtb.com

M&T makes it very hard to pay down your loan early. They won't let you do a principal only payment online or over the phone. Even if you pay more than your required amount for the month it applies to the next payment so that your interest amount doesn't go down. When I called to try to get a previous payment fixed they refused, even though it was a $200 payment I made when nothing was due. I was informed the only way to pay additional to principal was to print the form from their website, and mail it with a check to them. I asked if I would be reimbursed for driving to staples, the printing cost, and the stamp cost since my contract says I can pay early at no additional cost and they said no. The two women I talked to were very polite although they had not been given any tools or authority to actually help the customers. (Victoria and Hazel - both thick Indian accents)

I would not give them even 1 star. Paid off our account for an RV on April 2, 2026. It is May 14, 2026, and I'm on my 4th call to them slung where my lein release is!? We have a buyer for our RV and cannot complete the sale without the lein release to get the title. I will never use M&T Bank again and strongly advise against them. Give your local bank your business.

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.

I went to the branch in Wayne, PA and had the pleasure of interacting with Olympia who is professional, friendly, pleasant and welcoming. I have been a member of the M&T Bank for a great number of years and they have always treated me with the utmost respect and they are always willing to help me with any questions or assistance that I have/need.

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.