M&T BankReviews of mtb.com

Worst Customer Service, And Fraud Department In The World..If I could leave less then ! star I would...

This has to be the worst bank ever! Supper Old school, making a payment is a mission! No good!

I recently closed a mortgage with M&T bank. They got their routing number wrong on the paperwork. For the automatic withdrawal, which they require, had a different routing number that they could not explain. Everything is a mystery. They did two withdrawals for the same payment. They are unknowledgeable and arrogant. It's like dealing with middle school children.

I have never encountered a more inept and frustrating banking institution than M&T Bank Name. The customer service is an absolute travesty, marked by incompetence at every turn, and the interminable wait times are nothing short of outrageous. It rarely takes less than 20 minutes and just one agent. It's been over an hour and two agents and I'm still on hold. Local service branch is great, though.

Been a member of this bank for over ten years and this is the second noteworthy issue I have had. I deposited checks on a Monday and was promptly locked out of my online banking account from Tuesday thru Friday morning. And not only was I locked out, but a business that was already connected to my checking account for payments was locked out as well! I went back and forth with customer service at 1-800-790-9130 and went back to a local branch (upon their instructions) with no help. Approximately 48 hours later I was just told over the phone that the "verification department" has not only put a hold on the deposited checks, but has also blocked me from accessing my online banking account for FIVE business days! I then reached out to the M&T CFO, Daryl Bible, and another M&T executive using my LinkedIn Premium account with no response. Friday morning I received a call from someone on the M&T investigation team who said the checks were finally approved and my funds were available. So I went to a local branch to get a cashier's check for only to be told the recently deposited funds would have to be in the account 10 days before I could get a cashier's check on the funds! I told the teller and supervisor about the call I received saying my funds were available, but they were not hearing it. On my way out of the branch I sent a text to the investigator who called me earlier, complaining to him about my situation. He promptly called me back and demanded to talk to someone at the bank and after much back and forth between him and a teller, a supervisor, and the branch manager, I was finally able to get my funds! A day later, one of the executives I reached out to on LinkedIn finally got back to me. A day late and a dollar short as the saying goes! And a week later, still not a peep from the CFO, Daryl Bible. This was the absolute worst banking experience I have ever had, penalizing a long time customer for depositing some checks! I CAN understand putting a few day hold on some unusual checks until they clear the proper protocols, but to lock me as well as a business out of my online banking was over the top bad. It is no wonder M&T gets just 1.3 stars on this website. Good riddance M&T!

Absolutely the worst bank possible. I tried to pay off a large loan, 7 days later money still in my account! No payoff! Call them again finding out that they did paperwork wrong, no call no nothing! Tried again today 10/7/2025 probably won’t go through, I had to pay an additional per diem, because of their mistake! Worst bank ever!!!!!!

I had to schedule an appointment for 9 am. I online connected to the video calling website at 9 and by 9:45 am they said I missed the video call and to re-schedule. Really? I also tried to login by phone and it keep saying that the meeting has not started. Might be time to move my money some where else,

HORRIBLE EVERYTHING. I was involuntarily transferred to this bank for my mortgage, and it's been a nightmare. They randomly don't process payments, charge me fees for things that are beyond my control and never resolve the issue. Their mistakes have even hit my credit. I'm moving mortgage companies asap.