M&T Bank Avis 

I would strongly discourage anyone from using M&T Bank for a mortgage loan based on my recent experience with their lending process. This was by far one of the worst loan experiences I have ever encountered. The loan process dragged on for approximately seven weeks, including more than three weeks past the original closing timeline. Throughout the process, the lender continuously requested additional documentation with little explanation and gave very poor communication regarding the actual status of the file. After weeks of delays, we were told the loan had already been approved by underwriting and only needed a final secondary signoff. Everyone involved in the transaction relied on those representations and adjusted schedules accordingly. Then at the very last minute, after multiple extensions and significant disruption to all parties, we were informed that the second underwriter would not approve the loan after all. This created a domino effect involving multiple closings, movers, scheduling conflicts, and major inconvenience for buyers, sellers, agents, and title companies. The lack of communication throughout the process made the situation even worse. Repeated requests for updates and clarification were either ignored or answered vaguely without concrete information. I understand that underwriting issues can happen with any lender, but the way this file was handled was completely unacceptable. Important concerns should have been identified much earlier instead of allowing the transaction to continue for weeks while everyone was being led to believe the loan was close to closing. Then at the last minute, they would not approve it. Based on this experience, I would never recommend using M&T Bank for mortgage financing.

Horrible mobile banking experience. Attempted multiple external transfers unsuccessfully. None of the employees were able to resolve the issue. Closing account after a week of wasted time and frustration.

I went to the branch in Wayne, PA and had the pleasure of interacting with Olympia who is professional, friendly, pleasant and welcoming. I have been a member of the M&T Bank for a great number of years and they have always treated me with the utmost respect and they are always willing to help me with any questions or assistance that I have/need.

Someone had written a personal check to me that was from M&T bank. I took that check to a M&T branch to cash it and they rudely charged a fee of over $10 for a $520 check because I didn't have an account with them. Well, the customer issuing the check did, so why the heck would I be charged. How disgusting of a way to do business. Also, the teller was not customer service oriented. Rude and undermining. I will spread the word of this below average bank. I have accounts elseand was only cashing here as a convenience to me. Definitely didn't turn out convenient at all.

I went to the Wilmington, MA M&T branch on 5/1/26 around 3pm. I tried to withdraw $100 from the ATM with the hope of using that money to open an account with M&T. The money didn’t come out of the atm but it appeared withdrawn on my online account for my current bank. I went into the branch to report this happened. A nice gentleman tried to help me. One of the tellers, an Asian lady, was extremely rude & lacked compassion. She told me there was nothing she could do & to file a claim with my bank. I am so upset because although $100 may not seem like a lot, it was for me. To be dismissed in such a heartless way is the reason I will now or ever open an account with M&T. I have started to tell my friends & family of my experience & I will share this experience with as many people as possible because no one deserves to be treated in such a way that makes you cry.

Please 🙏 do yourself a favor and RUN from this bank, customer service is unprofessional and emotional, they hang up on you, they're rude and trying to pay your mortgage to them is like pulling teeth, they say they took the payment then you get zero notification the payment never posted then all of a sudden you're late and they ruin your credit score , They blame everyone else but themselves. They are a total NIGHTMARE, M & T banks hires trash people with zero professionalism & communication skills. RUN! Save your sanity!

Horrible customer service and communication. I lost my credit card on April 4th and was told a new one would be sent in 7-10 business days. On day 11, I still had not received my card and was told by phone representative to try going into a local branch for assistance. So I did and they saw no records of a new one ordered so I requested expedited next-day service which they claimed they put in. We'll 5 days later still no card. Went into the app to request a new card because the humans weren't doing a good job. I did get an alert that a new card was sent, but none has arrived yet. A credit card is pretty vital to a person's existence in today's world. This is unacceptable. The worst part is that they do not provide a tracking number to the customer so that we can see where it is in the shipping world. Not a professional way of doing business

This review is specifically for the M&T Bank app. The most frustrating thing about the app is that you are not able to set up automatic recurring payments. Additionally, even though I’ve set up face recognition, logged in using my username, password AND 2step authentication, I ALSO have to call and have them unblock my account so I can PAY them. What kind of bank doesn’t want their money repaid to them??! What kind of bank doesn’t have an autopay feature in the 21st century? Yes! Correct! Ding! Ding! Ding! M&T Bank!

They have an employee named Nick D who goes online and talks dirty about underaged girls. He also insults adult women but his views on children is repulsive. This is who this bank employs.

Camping World gave my loan to M and T bank last August. They’re HORRIBLE! They won’t allow me to pay extra on the principal unless I mail in a check. They lied to me and said anything I paid over the normal payment would be applied to the principal but it all went to interest. I got conflicting answers every time I called. They are thieves and they should not be in business. DO NOT USE THIS BANK. They will STEAL your hard earned money.

Estoy en PR hace pal de meses cuidando de mi papá le envié dinero a mi hija desde acá obvio me envían mensaje de fraude y me comunico rápido para dejarles saber que era yo la persona que me atendió al igual que la traductora muy amables me ayudaron que quede sumamente satisfecha porque hasta que no se envió el dinero la representante del departamento de fraude se quedó conmigo en el teléfono. Excelente servicio por eso le doy 5 estrellas las pocas situaciones que tengo con ellos siempre me resuelven al 100 no me arrepiento de abrir mi cuenta con ustedes. Gracias MT&T agradecida y satisfecha

I am unable to log into my account this is ridiculous at this point why is it y'all system is always down

This bank is an embarrassment. I had a fraudulent charge on my credit card at a Walmart in Mexico for $690.93. I was told to cancel my card, which I did, and my account would be credited in 2 hrs. That didn’t happen. Called back after being on hold for over 20 min. & told it would be credited that evening. That didn’t happen. Called the following day on hold for over 30 min. & told it would be 10 days after an investigation. I told them it was unacceptable & would like to speak to the supervisor & asked for the name of the head of the fraud dept. then was hung up on. Called Walmart fraud dept. several times to try & find out what items were purchased to see if they were placed for sale on social media & whether M & T Bank contacted them & they, expectedly, would not release any information. Called the bank once again to find out the status of my “alleged” dispute, once again, to no avail. Please do your due diligence when choosing a bank. M & T Bank should not be on your list.

First, there's a nasty auto message when calling M&T, a message that says, "We're trying to collect a debt." Then, the rep failed to do a little more research and get the pay off information I requested.

this evil company sends out notice of missed payment *backdated* but so late that it arrives1 day prior to the last day the fees can be paid before late fees would apply. In other words: this company is actively engaging in late notice and deceit in an effort and effect that encourages the accrual of late payment and associated fees.

DON'T DO BUSINESS WITH THIS BANK IF YOU CAN HELP IT.

M&T - Poor account setup and email usage!
I have been trying to setup my online account without success for the past 4 months. When trying to setup my online banking ID they do not allow emails that end in ".co" It looks like their technology is behind with not allowing emails ending in .co. Very surprised that an established bank has not caught up to current email account ending. Very disappointed.

If I could give zero stars , I would.
People go somewhere else . Unfortunately I was given this bank from a RV loan with Camping World.
Have had nothing but problems with online services.
I will be paying this note off immediately as I dont want them to make any money on my loan. Again go elsewhere for banking services!!!!

They hire sketchy people.

Absolute worse bank Ive ever dealt with. Online it tells you extra payments go to principal so I made 2 extras and instead they applied it to my next 2 months of payments telling me I dont have a payment due until June. They are refusing to apply it correctly even though my contract and online it informs you anything extra will go to principal. I made extras not to get ahead on payments but to reduce principal saving me money in the end. If I make my usual what should have been May payment today they will apply it to July.

waited over 90 min then I switched to have them call me back and they never did