M&T Bank Avis 

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.

I would give zero stars if possible. This bank is awful.. The staff have no clue what is going on. Speak no or little english, rude, obnoxious, sarcastic and down right deceitful..Demand our payments with zero service.
Shame on you M&T
All of you lazy do nothing nobodies in the front office should be fired...immediately

They are a mediocre bank at best. The staff at the Shelton CT locations seem like you are bother to them. The worst thing about M&T are their hours of operations. Prior to the merger, I was a loyal Peoples customer. They had hours that were convenient to the average customer including branches in supermarkets. The supermarket branches truly accommodated clients that worked Monday-Friday by being open on Saturday AND Sunday. Now, sadly M&T has abandoned their core customers. The branches go dark on Friday afternoon and open again on Monday. They will tell you many of their services can be accomplished online, yet there is a lot that requires being in the branch. That means I, like many other customer, have to take a day off.

Horrible dealing with them. My sister had her auto loan with them and after she passed, I handled the estate. We paid the balance off on the loan, then waited, and waited, and waited, for the Lien Title to be released. Called twice, told it should be coming "soon". Third time? was told, "oh, different procedure when it's an estate" and then the gave us a laundry list of what they "needed" in order to issue the title. Am still waiting on it. And by the way, if you are a customer, be aware. There automated system and customer service identifies you by the account number AND the FIRST FIVE digits of YOUR Social Security Number. Hmmm...let's see, if a hacker gets a hold of anyone's account, where the more typical LAST 4 digit of Social Security is on file...connect the dots. A hacker could absolutely have access to ALL accounts held with M&T Bank with their stupid First 5 digits - who was the genius who thought that up???

One of their most aggravating practices was that once my home loan was paid off, M&T quickly blocked online access to my mortgage account and documents. Customer service confirmed this was “standard practice.” That meant I suddenly lost access to years of loan statements, escrow information, tax records, and payoff-related documents right when I most needed them for reconciliation and recordkeeping. I got no notice that this would happen,.

Getting help was also extremely difficult. Reaching a live representative required long hold times and multiple calls. Once connected, the staff, although polite, seemed unfamiliar with handling broad documentation requests from a customer trying to assemble a complete mortgage file after payoff.

For example, I requested copies of my mortgage-related records — things like the appraisal, title work, settlement documents, payoff records, and other key loan documents. Rather than providing a complete package, representatives insisted that I specifically name every individual document I wanted, some of which turned into special requests. The process felt unnecessarily rigid and confusing, especially for records they clearly knew how to retrieve internally.

I also had ongoing issues from the past few years involving property tax bills during periods when my tax assessments were under appeal. Despite the fact that I maintained an escrow account specifically intended to handle taxes and insurance, M&T repeatedly insisted that certain “irregular” tax bills were my responsibility to pay directly rather than processing them through escrow. This created unnecessary confusion, duplicate tracking, and concern about possible delinquency issues.

The mortgage itself eventually was paid off correctly, and the lien release was ultimately recorded. It was very weird that I got "automated" letters as part of their payoff process, in old fashiond type face in faded ink, making them difficult to read, part of the reason I later called again, requesting electronic versions. The servicing experience — especially during the final payoff phase — felt automated, opaque, bureaucratic, poorly coordinated, and far less customer-friendly than it should have been.

After dealing with multiple servicers over the life of this mortgage, M&T stood out for poor communication, weak document accessibility, and a payoff process that placed too much burden on the customer to navigate their internal systems. It worked for many years but I guess once the I made my final payment, they did the basics, I assume correctly, but then just wanted to be rid of me - hence blocking my online access include that of my final 1098 this year. Keep in mind, my mortgage was transferred to M&T Bank as a loan servicer after several earlier lenders/servicers over the years. I did not originally borrow from M&T.

Does anyone actually work at this bank or is it all automated??

Worst bank ever in terms of service and knowledge. How do they stay in business.
Banker actually told me that if I pay $20,000 towards principle on my auto loan, my payment amount and length of loan do not change!! Can you believe that. Had to talk with 3 people before talking with someone who had some knowledge. OMG never bank here. 😩

M&T makes it very hard to pay down your loan early. They won't let you do a principal only payment online or over the phone. Even if you pay more than your required amount for the month it applies to the next payment so that your interest amount doesn't go down. When I called to try to get a previous payment fixed they refused, even though it was a $200 payment I made when nothing was due. I was informed the only way to pay additional to principal was to print the form from their website, and mail it with a check to them. I asked if I would be reimbursed for driving to staples, the printing cost, and the stamp cost since my contract says I can pay early at no additional cost and they said no.

The two women I talked to were very polite although they had not been given any tools or authority to actually help the customers. (Victoria and Hazel - both thick Indian accents)

I would not give them even 1 star. Paid off our account for an RV on April 2, 2026. It is May 14, 2026, and I'm on my 4th call to them slung where my lein release is!? We have a buyer for our RV and cannot complete the sale without the lein release to get the title. I will never use M&T Bank again and strongly advise against them. Give your local bank your business.

If the Trader Joe's parking lot mated with the Samsung Galaxy Note 7, and then THAT child mated with Apple Maps, and then THAT child mated with the DMV on the last day of the month, then THAT child mated with the Microsoft Zune, you'd get this flaming piece of hot frustration garbage.

Only works in Microsoft Edge, a browser with a 5.58% market share. I had to download it specifically for this purpose. Clearly, MTB made a mint on that little deal. And that's only when it actually works. The scanner constantly jams. I have to redownload the driver every time I deposit checks. It's actually faster for me to drive to the bank and deposit the checks the old-fashioned way.

MTB needs to fix this system. It's 2026 for crying out loud.

DO NOT GET A PERSONAL LOAN FROM M&T. I have a mortgage through them, like any other bank it's straight forward and easy to make "Additional Principal Payments". However, on their Personal Loan portal, there are no options to submit Principal only payments. They provide two things, payments made and upcoming scheduled payments. But if you try to send multiple payments a month, they will ALL be allocated to INTEREST. Making it extremely difficult to pay off your loan. Just be ware of them.

If you absolutely have to get a loan, I recommend looking into SoFi or Upstart first.