M&T BankReviews of mtb.com

This is the worst bank I have ever dealt with in 65 years of banking. Their internal security procedures have holes you can drive a truck through. for example, they allowed someone who had hacked my account to establish a Zelle account ( I hadn't previously) and was creating numerous transactions that sent money to the crook's Zelle account in Texas. They rejected initial attempts for small amounts to the crook's phone number but then started to allow larger amounts through. Eventually (ten days after the first attempt) they called me to ask if another large amount was OK and I obviously said I don't use Zelle. To their credit and because it was fraud versus a scam, they reversed the transactions. I had to go to a branch to get all new accounts which I understand. Amazingly though they failed to remove the crook's Texas phone number from my profile and it was associated with my new accounts as well! Many other less dramatic examples too such as closing my ATM card before I received it after I properly authenticated my wife's card. Again, they apologized and said I would have to go to a branch to get a new card. I also bank with TD Bank and Ally and have never had a problem with either. Avoid if you can.

This bank is by far the slowest with posting transactions from my account. I could have bills paid right when I pay them, showing receipt of payment from whoever I pay them to... only to be show the update in my account summary MANY days later. This is HORRIBLE! Even with my weekly autopay service I use with AutoPayPlus, the funds won't show having come out of my direct deposits until the day after payday! This is absolutely insane and has cost me many weeks of substantial overdrafts and negative account balances. M&T: YOU need to get your act together or I will find another bank!

Bank is stuck in 80's. Do not use this bank if you travel or us Zelle. They do not like either one and think it is fraud. This is a great bank to take your roll coins to. They even offer roles. Also good if you like to visit with the bank staff. Do not use this bank for anything other than old school checks and to take your change to. I remember christmas clubs here as well.

I deposited a check into my account. I expected them to hold the check for 7-10 buisness days. I wouldn't have minded. But instead they locked my whole account. I have no access to the other money in my account. And I don't have a lot of money. I need the money I have in the account! And no one has any empathy. And no one can give me a decent answer that explains why the whole account has to be locked. All they can say is "is just how it's done." And that is not an explanation! They have access to my finance information and can see I have no money. I can't live without use of my little bit of money. And obviously they don't care. It's a easy as calling the other bank. I have received these checks before that my other bank deposited. I sent my invoice! And they can't even tell me how long it takes!

Worst customer service I've ever experienced. I believe we shouldn't reveal the card number to anyone. Nevertheless, I was prompted to share. Instead, I consented to sharing the account number. Additionally, details such as the most recent deposit amount made to your account. After receiving all of this information, I was instructed to visit the closest branch to settle my problem. Pathetic system for customer verification. If a support representative is asked to repeat their inquiry, you may also tell that they are irritated by the request.

M&T’s comparison of their checking accounts is written and was explained to me that there are no overdraft fees, no minimum deposit activity requirements, free activity alerts, and if your account is overdrawn less than $5, they’ll pay it and you have 24-hours to bring your account to current by 8pm the next day. In reality, they do charge overdraft fees, they linit how many they will refund, their alerts are not in real-time, they count debits before credits no matter when you fund your account, and label overdraft fees as charges by your biller, not them. I’m not surprised reading here that they are ripping off our veterans on active duty, also. Appalled but not surprised! This is the only bank where I’ve made an ATM deposit that did not post to my account and required an investigation to credit me my money. I’d rather donate $15 to a veteran supporting non-profit than pay these for-profit capitalists fees with the constraints they put on how much you can withdraw and limitations on the truth they disclose. Do not waste your money or time. Find a local bank that’s personable and values you.

TLDR: AVOID at all costs (Warning to fellow Active-duty military members as well) -- Outdated systems, Broken processes, Callous Customer Service & Inept Management: 1) My mortgage w/ United Wholesale (always on autopay) transferred to M&T 2) M&T sent us email confirmation my mortgage payment processed on 6/5/23 3) I get a credit alert 1 month later that M&T reported missed mortgage payment and credit score drops 85 points (I always had a 810+ credit score and have NEVER missed a mortgage payment) whereas M&T NEVER informed us the payment didn't get processed properly 4) M&T Customer service passes me to 3 different people and finally waives late fee after haggling but does NOT address credit report issue, puts me on hold to speak w/ their 'manager'

THEY BLOCK MY ACCOUNT FOR THEIR BENEFIT MY ACCOUNT BEEN BLOCK TWO WEEKS SINCE JUNE 28,2023 THEY WILL NOT TELL ME WHY THEY BLOCK IT AND I AM UNABLE TO ACCCESS IT ONLINE OR MY PHONE THE BRANCH IN SNOWHILL,MD