M&T BankReviews of mtb.com

M&T Bank Owns Lakeview & Loancare Servicing - Long story short - I was required to purchase flood insurance 10/2024, it was confirmed my flood insurance was on file and everything was good to be escrowed. 11/2025 same story. Fast forward to 2/2026, my mortgage jumped $1100. When I called in they stated they purchased flood insurance for me at $3600 x $7200. After 2.5 nothing is being done to rectified the issue on Loancare side - I have gotten a bunch of "I have made notes and we will call you back". Loancare is in bed with FEMA and the insurance company that imposes 600% inflated rates, which is unlawful on so many levels. DO NOT DO BUSINESS WITH THEM OR ANY OF THEIR PARTNERS.

My home was damaged by hail bank in March of 2025.... M&T Bank and their costomer service is beyond broken and mismanaged... I've never seen a more unproductive and unprofessional bank of such low quality costomer service in my entire life... Avoid this messy and unqualified bank at all cost... M&T Bank has made my home repairs a true nightmare. Beware!!! Raven Black Ret. USA

Just opened a checking account. First time calling customer service, on hold for 20+ minutes. Calling because I'm not restricted from being able to setup bank to bank transfer using their online banking.

It is the worst bank I've used. Unreliable online system, forever waiting period when contacting customer service.

Our experience with the Binghamton, NY branch was unacceptable. We were attempting to resolve an estate-related bank account issue involving a deceased persons account that had been closed, When we contacted the branch for clarification, our questions were not answered, and the call was abruptly terminated while we were still speaking. Disconnecting a customer who is asking legitimate questions about a closed account is unprofessional and reflects poorly on the branch. Estate matters require accuracy, professionalism, and basic courtesy. We received none of those. This issue will be escalated.

M&T Bank received my insurance settlement for hail damage 3 months ago and still today they are holding the money and refuse to send it to my contractor to start work while it is raining in my house because of hail damage. Absolutely horrible bank. They must be struggling financially because they are holding the money and refuse to let me pay for roof repairs now. This is insurance fraud. This bank is a scandalous scam. Don’t sign with this bank if you actually want your home to be safe. They don’t work for your interests.

In my experience as an account holder, I find M&T staff anti-customer. You get better service at a fast food restaurant. Staff I have encountered blatantly demonstrate a disregard for fiduciary relationships that result in profits. Their CEO should be replaced with a more business savvy via the free market fundamental of "consumer sovereignty" .. staffers I encounter as a customer are clueless and treat me as a "nuisance" instead of a valued customer supporting thier revenue stream.

I went into a branch in Milford, DE to open an estate account to handle my deceased father’s estate. The first woman was helpful and gave me all the info I needed to open one. I needed an EIN number. Easy. But she was also pushing me to open it at another branch. Weird. I came back an hour later and met with another woman. I gave her all the info requested…and then she said she required the confirmation letter from the IRS. I told her nobody told me they needed that. She began browbeating me for not having it while holding my father’s death certificate. I snatched up my paperwork and left on the spot while she informed me that *I* was disrespectful. Maybe I was coming off as rude without meaning to, but I’ve also never had this issue with any other bank. I certainly can’t imagine treating somebody who just lost their family in such a callous manner.