I receive constant junk mail from this company (who must have "acquired" my personal information from another sleazy company). Finally I had enough and decided to try to stop it. I submitted three concurrent requests through their website to be removed from their mailing list and for my personal information not to be sold or traded.

Request 1: I was told that I needed to fill out some form on their website in order to be removed. Hilarious, because I'm not even an M&T customer (never have been!) I attempted to fill out this form and it would not let me submit without entering a valid account number. Wonderful..

Request 2: I submitted a second ticket, this time making it very clear that I could NOT fill out this form on their website. Again I was told to fill out the form on their website.

Request 3: I submitted a third ticket, again making it very clear that I had no way to fill out this form on their website without a valid account number. I told them again to remove me from their mailing and not to sell my personal information. This time I was told that they could "not remove me from their mailing list without my social security number and phone number". Furthermore I "could not submit this information online, because they do not have a secure form". So I would "need to call up customer service".. How convenient for them..

Request 4: I called up customer service, which put me through one of the worst automated systems I've experienced in a while. No options to do anything close to what I was looking to do (just "open up a new account" and "get account info" etc). I pressed 0 to get around the BS but it just said "invalid option". I finally was forced to select "open a new account". Of course this transferred me to somebody who "couldn't help me", and I was again transfered. Finally I got in touch with a bitter sounding lady, who took my address and name, and told me she would submit it. Of course I said "hey wait a minute, they said you needed my ss# and phone number". I asked her twice and she dodged my question, and just said that she would submit my request.

Overall, a sleazy company with sleazy customer service, playing stupid games with somebody who isn't even a customer, just to get removed from their stupid mailing list! AVOID... I can't imagine what it must be like to be an actual customer.

M&T Bank is the amateurish bank out there. You can't pay their bills online without setting up a checking account at their crappy bank.

I sent a payment for our car on 2/9. They didn't cash it until 2/26 & charged me with a $10 late fee. With the problem being with the post office or M&T themselves, I still couldn't get them to drop the fee after to talking with 2 customer "service specialists". Unreal!

Avoid this bank at all costs!

My husband and I moved to Maryland and opened a checking account at M&T Bank, huge mistake. They put a hold on all deposited checks for a minimum of two days, but neglect to inform you of this small detail. This allows them to charge an overdraft fee of $ 37.00 per incident, even though you have deposited the funds to cover your purchases. Don't bother calling customer service, they will not issue a credit. I was told that the check hold policy is in all of their lobbies, not sure if this is true or not, regardless, I use the drive thru. Do yourself a favor and bank elsewhere, save the headache.

I recently moved from New Jersey to Buffalo and wanted to open a local bank account (I'm with PNC in NJ). When I went to M&T in Buffalo, they wouldn't accept my NJ Driver's license as a form of ID. Never before has my NJ license been refused as a form of ID! In fact it's a holographic license and everyone needs to show either a passport or birth certificate just to get a NJ license. I had to go home to get my passport and go back to open the account.

Also, when I was opening the account, the branch manager specifically said there were no fees to transfer money between banks. It turns out I was lied to and there is a $3 fee for everytime I send money from M&T to another bank electronically.

I only have an account here because one of their mortgage officers came highly recommended. Now I'm stuck with M&T for 30 years!

*They don't offer coin counting. Not even for a fee. What kind of bank can't count coins?
*If they transfer money between your checking and savings, it costs $10. I've never had a bank charge a fee for something a computer does automatically to MY money.
*Several of their branches in my area are only open from 10a-3p. WTF?
*I have rarely overdrawn an account in my life. Since opening an account at M&T, it seems I am constantly overdrawing. Their $37 fees, which are much higher than any I've ever experienced, are facilitating my overdrafts.

Let me tell you a story:
I had an overdraft fee charged to my account when I had enough money to pay for the transaction. "Honest mistake, " thought I, so I went to the closest branch to remedy the problem. The woman at the bank told me she could not help me because I had opened my account at another branch. I thought this was the point of having branches - convenience for your customer. Silly me.

So I drove 10 miles to the branch in which I had opened the account. Conveniently, the person who could help me was out at an appointment. The people in the bank promised me a call back that day.

The next afternoon, I received a call from the bank. It seems a hold had been placed on my account. With that hold on my account (which I had no idea was there), I didn't have enough money to pay for subsequent transactions. Five or six overdraft fees later, I now also don't have enough to pay the transaction that was on hold in the first place, and now I'm charged a fee for that one as well.
They won't reverse ANY of the charges (I was willing to admit fault for having such a low balance and take most of the fees), even the one for the invisible hold.

And now I see on their website that they have overdraft protection. Which they never mentioned to me.

Thanks for nothing, M&T!