M&T Bank Reviews 

I have an existing FHA mortgage serviced by M&T Bank and am currently in Chapter 13 bankruptcy. I recently learned that approximately $1,950 in bankruptcy attorney fees/costs were charged or requested on my mortgage account.

When I asked for a clear breakdown, the only document provided through M&T/SouthLaw was a one-page ledger. It listed vague entries such as “MFR fees” and “MFR costs,” but did not explain the specific attorney work performed, why the charges were assessed, invoice details, dates of legal work, or whether the fees were approved through the bankruptcy process.

This happened during an extremely difficult financial period while I am unemployed and trying to keep up with my mortgage and household expenses. In my opinion, M&T should not be charging or requesting large bankruptcy attorney fees without clear, itemized, verifiable documentation. I would strongly caution mortgage customers to review every fee and demand proof for any legal charges added to their account.

Completely incompetent! Waited over 6 weeks for my car title after my loan was paid off. Made multiple phone calls requesting the title. I was told repeatedly it was being mailed only to find out it never was mailed and never would be. It was electronically released a month prior. No one we talked to gave us this information. They repeatedly lied to us saying they could "see" it was mailed out.

Absolutely THE WORST bank. I have never had any hassles with a bank until M & T took over. Started on Day 1 when they insisted there would be no problems with the takeover of my old bank. Their errors cost me hundreds. Their employees have a horrible attitude and are unhelpful. Their tellers have you fill out paperwork and as soon as you are done, oh they forgot the system is down, go use the ATM. They will not help with disputed charges on your debit card. They don't care if is not valid, they offer no assistance whatsoever. Go to any other bank. M & T is worse than any of them.

If u could leave 0 stars i would. I have 5 accounts with them and every other week have to call customer service answering a million questions to access my money because they have constant updates blocking Zelle payments or online banking access or random reasons or excuses they give as to why their app doesn’t work. To not be able to access your money or make business transactions makes this bank irrelevant to its necessity. Cannot wait to transfer all my money somewhere else. I’ve been with this bank for over 7 yrs and longer with accounts at navy federal, Chase and TD and the M&T has been most consistent n having issues.

Description of Error
Disclosed Payment: According to my finalized Closing Disclosure (CD), my total monthly mortgage payment was legally disclosed as $4,995.47, which explicitly included a monthly projected escrow payment of $1,267.60.

Actual First Bill: Despite the binding disclosures signed at closing, my very first monthly billing statement demanded a payment of $5,799.00.

The Cause: Upon investigation, M&T Bank's escrow department failed to realize prior to closing that the escrow account was in a shortage position.

This shortage should have been calculated, straightened out, and properly disclosed in the loan documents before closing. Because it was not, the bank is now improperly attempting to collect a payment that drastically deviates from the legally binding closing documents.

Customer service is horrible. Communication even worse. Do not recommend as a service provider.

We opened a checking account and received a $200 bonus as promised. Great customer service.

It was a pain to set up my account and it also wouldn't let me make a same day payment on my house!!

Wouldn't recommend. I called 302-724-2440 7x and LM 3x. No one called me back. I sent a text 2x and got no response. When I went to the branch, I was told that M&T doesn't have a text service, but the texts went through on my phone. I emptied my checking account because M&T couldn't close the account because two charges "items" hadn't "cleared". I have to visit the branch AGAIN in order to close the account -- an unnessary and inconvenient errand. Also, when I signed up for the account, the representative didn't give me a card for the local phone number. And the service was exceptionally slow and the rep didn't seem to understand that my time is valuable. There was only one teller and SHE was also exceptionally slow.

M&T Bank stopped taking over the phone payments for my mortgage. That was always easy and convenient to use. And they replaced it with a shit automated system that regularly drops the call on you. It also makes it difficult if you're trying to make an extra payment. Or an additional amount to be applied to the principal. Horrible customer service.

My mortgage loan was transferred here. They never reached out, never sent a bill or a welcome packet like they were supposed to. I had to use a third party tool to figure out WHERE THE ___ my mortgage was. I found out it's owned by M&T bank now, great! I go to use their online portal, it's genuinely so difficult to navigate. I am a SOFTWARE ENGINEER and I could barely navigate it. The entire thing is built to try to trick you or scam you into sending them MORE money and make it as difficult as possible to do simple tasks (i.e. JUST PAY MY MORTGAGE). I could code a better website in my sleep after a long weekend. But also, I guess if the goal is to scam susceptible older people into enrolling in autopay or paying additional sums on their mortgage that they don't mean to, they're doing great! The website actually REFUSED TO LET ME PAY WITHOUT ADDING ADDITIONAL MONEY TO MY PAYMENT which feels illegal! Awful website, horrible company, if I could rate it lower, I would. I hope whichever bloated financial executive is in charge of making things this bad shits themselves to death like that king in the Bible.

Worst banking experience I've had! The site is very old looking and not user friendly. I keep getting blocked out when I log in to the site "too many times" in a row. Why can't I set up autopay by myself, when I call you don't answer!! Why do I need to call you for anything at all? I bank with a credit union that literally can do everything online or through email. I never have to call or step foot in a branch.
I received very little communication regarding my new loan, other than a letter stating you made a mistake - that's the first time I received my loan account number. This is the worse banking experience I have ever had. Time to wake up and use technology, get out of the stone age!

Worst company ever. Bought my mortgage in June 2026. Have no idea what they are doing. Making it difficult to setup auto pay. Customer Service Reps do not understand how anything works.

Went to the Needham MA branch, arrived a few minutes after 3pm. I needed to send an international wire to pay for our vacation. I figured I'll go to the teller since I also needed a bank check. The teller took over 15 minutes, then went for the wire. Only to be told that it needs to start by 3pm, now I'm asking why did the teller not say anything. Now I need to go again to the bank. Also why can't the wire data be taken and sent the next day. Definitely need to make changes to training and maybe the way things are done.

⭐ 1 Star

I am extremely disappointed with M&T Bank's customer service. I called because Zelle blocked a payment to my nail technician, and after waiting on hold for 40 minutes, I was connected to a representative who was unhelpful, dismissive, and unnecessarily difficult to work with.

Instead of clearly explaining the issue or helping resolve it, the representative asked a long series of irrelevant and repetitive questions. He had me check my transaction history for the name of the company I work for, even though I had already provided the company's name. He insisted I verify whether it appeared differently on a transaction, which made no sense and did nothing to address my problem.

The questioning continued with inquiries about my phone, insurance, internet connection, and several other unrelated topics. Rather than feeling like I was receiving assistance, I felt like I was being interrogated while my actual issue remained unresolved.

Between the excessive hold time, the lack of professionalism, the unclear communication, and the inability to resolve a simple Zelle payment issue, this experience was beyond frustrating. Unfortunately, this is just one of several issues I've experienced with M&T Bank, and this interaction was the final straw.

I will be closing my account and taking my business elsewhere. I expect much better customer service from a financial institution. I would not recommend M&T Bank based on my experience.

I wish I could give ZERO stars. This bank is a poor excuse for a financial institution. We submitted Power of Attny forms from our lawyer LAST MONTH o we could pay my mother's HELOC online for her after she suffered a stroke. They lost the paperwork or never submitted it. Two trips to our local branch, four hours wasted and we still cannot make the payment. DO NOT USE THIS BANK for ANYTHING.

They recently acquired our mortgage so that is the only reason I have to use them. The account information they gave me to set up our new account does not match what is in their system. I have been on hold for thirty minutes just because they do not have the correct information and I cannot set up my account online.

I have been a M&T Bank customer since they bought Bank of Pennsylvania, approximately 34 years.
This was the the first time using them for an auto loan. And will be the last. Bought my truck, paid it off in one year $52,000+. Have called and been told 4-5 times by different customer service/ supervisors, lien release people that release was sent day after paid in full. 2 weeks later was just told they don’t send release to DMV for 10 business days. I have never been lied to as much as this from a company that I have dealt with so long. Banking is great. Loans are a complete nightmare and nothing but bullshit people lieing to you over the phone. Stay away

Mortgage is through M&T Bank since they bought the loan. Escrow amount was short, so I tried by calling and making a payment over the phone. Representative said there's No way to make phone payment for that, and she was very RUDE. Tried setting up online account to make payment. After 2 failed attempts, and speaking to Technical Support Twice, couldn't set up account. On the 3rd try, was on hold 30 min, and once they answered, they immediately hung up on me. I would NEVER use this Bank for my personal banking. Only deal with them because my loan was acquired by them. Everyone else's reviews are spot on that I have read. Another worthless Bank.

I received an alert on my phone saying there was fraudulent activity on my card @2:45 on 5/17/26
I was told on 5/17/26 it would take 7 - 10 business days to receive a new bank card which should have been 5/26/26 or 5/29/26. I did not receive my card on either of those days. So I called last Thursday 5/29/26 to find out where my new card was. I was told that the card was canceled on 5/19/26 which was 2 days after I called and canceled the card. So now I was told I would get it on 6/1/26. Today is 6/1/26 NO CARD!!!! I work 8:30 - 5:30 M&T is open 9-5 impossible to get to the bank when it's open. I work half day on Saturday morning so guess what I have no access to getting cash. I was able to get money by asking people to go to the bank so I could pay bills. I have no cash for food for me or my dog. It has been 10 business days and 3 Sundays, 2 Saturdays and a holiday no card. I called when I got home from work to find out where the card is, not in my mail box. No one mention expediting the card until tonight. Now I have to wait 3 more days to get a new card expedited. I'm living on bread and jam due to not being able to get cash to buy food. I have had all I can take with M&T. I will be get a new bank. This is insane I am SOOOO ANGRY WITH M&T BANK. The customer service are useless.