M&T BankReviews of mtb.com

I have been with M&T Bank for almost 6 years. I have found every single person I have worked with professional and helpful. I have M&T loans, checking, savings and credit cards. Never an issue. I also personally know of many others who also use M&T and have never had an issue. I was shocked when I saw the negative reviews!

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TLDR: AVOID at all costs (Warning to fellow Active-duty military members as well) -- Outdated systems, Broken processes, Callous Customer Service & Inept Management: 1) My mortgage w/ United Wholesale (always on autopay) transferred to M&T 2) M&T sent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

Useless, no help, permanently on hold, unfair overdrafts that are never rectified, incompetent staffing, impossible to actually speak to a human and when you do it's always filibusters and the run around. I'm done with this bank. Closing my account for good. Never open an account here unless you enjoy needless complications and exponential stress

Terrible bank, if you’re going to buy out peoples Bank, be ready to do it. you have screwed up everything that possibly could be screwed up. 20 meetings later over seven months. Still not fixed. I’ve wasted so much of my time and I’m done. It’s really too bad because peoples Bank was excellent and we never had a problem.

I'm a military member, when deployed M&T bank blocked my card and online account. M&T bank told me I have to step into the branch to unblock the card and account. I explained my circumstances of being out of the country, yet still no one would assist me. If you are a military or even a person who travels often I do not recommend this bank. I will not continue or refer any banking at this institute.

I've noticed in the three years of having an account with M&T bank, that the more money that is in the account and if deposits are frequent and scheduled, is the Only time account balance is kept up to date and in real time. But, if it's not a type of direct deposit or is below a few thousand, then suddenly the bank cannot seem to keep track of account summary and it will take days for updates. Allowing you to overdraft and charge you for their convenient mistake. Knowing that everyone is excessively reliant on the imposed necessity of digital technology to pay for everything, even people surviving below the poverty line are required to have a checking account, but M&T seems to be favoring profitable accounts at the expense of the poor. Shame on you for taking advantage of the disadvantaged in small, struggling communities.