M&T BankReviews of mtb.com

Just tried to open a checking online and recently received a email stating that my account was closed without a reason. Then I received another email from another person or source stating it was flagged for possible future fraud and that I had no way to fund the account. This seems kind of odd since I checked my Chex System report and found nothing there at all that would suggest anything close to that. This was kind of odd so I'm wondering if someone contacted them and made up a bunch of bs to get the account closed. The funny thing is it happened just before my debit card arrived in the mail. I'm wondering if it could've been a employee from a bank that I currently do business with. I just find the whole episode damn peculiar and offsetting to say the least. I received a response from the bank after I made a complaint on the CFPB website and I will copy and paste it here because the CFPB won't allow you post it there.Enjoy. January 13 , 2026 Re: CFPB No.: 260103 27403666 Dear CB: I’m writing in response to your correspondence to (CFPB) the Consumer Financial Protection Bureau regarding your M&T checking account ending in 5345. Thank you for the opportunity to respond to your concerns. Thank you for your feedback. At M&T, we strive to provide the highest level of quality service. As such, your concerns regarding your overall experience were escalated to the appropriate level of management for review. Here’s what you should know. Your recent correspondence requested the specific reasons why M&T Bank would close the above mentioned account. We are unable to provide additional details concerning this matter. The terms associated with your account allow M&T to close a deposit account for any reason. At M&T Bank, we understand your concerns. However, the bank is within its rights to exit a banking relationship, and the decision to close your account will remain. Please know, any future correspondence relative to this matter will not be met with a different response. Sincerely, Erica Ladd Customer Advocacy

Charged an overdraft fee and a stop payment fee AFTER I had reported a fraudulent charge. If that isn’t disgustingly unethical banking I don’t know what is. And on Christmas Eve no less.

Their customer service is terrible. After making my final payment on my installment loan I went to check online to make sure they received it. They took my account off of my homepage with no way of looking for that payment or any other payment history. I then called their office and the person on the phone asked for my social security number to look up my account. I do not give anyone my ss number over the phone. This is not customer service!

I have been a customer of M&T Bank since 2011, when it acquired Wilmington Trust. For the most part, I was generally satisfied with the bank and the service I received. Recently, I was sent a threatening letter, saying that if I did not call and verify my information that they would first freeze and then close my account. I understand KYC requirements, but sending this type of threating letter as a first notice is ridiculous. I called the number provided, verified my information with the representative I spoke with, and was assured that the issue was resolved. A month later, without any notice or explanation, the bank freezes my account and starts sending notices to creditors that payments will not be processed. This is not only embarrassing to me, but casts me in a negative light with my creditors. The first notice of this action was another letter. Nothing on the online website that I use regularly. No text alerts that I have signed up for. Just a letter saying they were returning a check I wrote. I called and spent an hour and twenty minutes trying to address the problem across multiple departments. They acknowledged that they were in the wrong and that I was told that I had correctly verified my information, yet still froze my account without warning. When I asked to speak with the supervisor of the department that handled this roughshod treatment of customers, the best they would do is give me an address for their customer advocacy department. No one deserves to be treated like this, especially a long-standing customer. I will be banking elsewhere from now on.

I have been a loyal customer of this bank for years, and I am extremely disappointed with how they handled a recent situation. My son was unfortunately scammed into depositing a fraudulent check, and as soon as I found out, I immediately contacted the bank to report it. I acted in good faith, explained what happened, and asked for guidance. Instead of supporting me as a long-time customer who was trying to do the right thing, the bank chose to close all of my accounts. This was very upsetting because I was the one who reported the fraud and sought help. I expected understanding and protection, not punishment for being honest. I hope the bank reevaluates how they treat loyal customers who come forward with concerns. This experience left me feeling unsupported at a time when I needed assistance the most.

🚨 M&T Bank — People need to hear this. 🚨 I’ve always had clean payment history, and I’ve always paid on time. Then during M&T Bank’s transition, my January payment was lost on THEIR end — not mine. Instead of correcting their mistake, they marked me 30 days late. At the same time, we had a serious emergency at home: A bathroom leak that caused mold, and with small children, this became a health risk. I reached out under hardship, explained everything, and asked for help. Here’s what happened instead: • They ignored my clean payment history • Hit me with a 30-day late caused by THEIR transition • Offered almost no support while I was dealing with mold, repairs, and trying to keep my kids safe Banks claim to care about families and communities — but when you’re actually in a crisis, they push you aside. I will be filing a complaint with the CFPB (Consumer Financial Protection Bureau) because this is unfair, harmful, and not how a bank should treat customers who have done everything right. If you bank with M&T, be aware of how they handle emergencies and their own errors. M&T Bank, fix this. Families deserve better. @CFPB

Wait times are over an hour to speak with representatives! Sadly I’ve only had a few positive experiences with any contact over the years that was kind…95% are horribly rude! When you’re calling about your own money and get treated like a criminal every single time and spoken to like you’re bothering them! I’ve never seen so many mistakes made from a bank (when you’re dealing with others money I guess that is not important!)! My account had over 12 frauds over a few months time.. After I received text alerts and replied with; it was me trying to use my own money but it would be denied again for fraudulent behavior. Please save yourself any unneeded aggravations and DO NOT USE M&T Bank!

I went to a branch in Farmington, CT to renew my 6 month CD. What I discovered is that the customer gets the CD rate correlated with his Account address no matter what branch you use to renew. Different Zip Codes means different CD rates. Other (Online) banks do not do this! Why does M & T. ?They didn't even honor the introductory rate poster on the website because they only use Zip Codes for CD rate setting.