M&T Bank Avis 

Rude customer service and terrible billing department, bring your business elsewhere.

When you use Zelle through M&T they consistently flag it as fraud, then tell you they can’t tell you why it’s flagged as fraud, it’s an algorithm, and can’t do anything about it. So you have no access to your money or to use Zelle when you need to. This has literally happened to me at least 10 times easily in months. So how do I know the algorithm isn’t because of race age or something else? Zero help when you call in. Zero answers and zero professionalism and these are the people holding your money. Use a different bank. Honestly they’re the worst.

Horrendous. Worst bank ever.

If I could give 0 stars I would. They took a whole monthly payment from me despite me providing them my bank statement that showed they were paid twice in one month. Horrible company, big bank taking advantage of its clients.

The worst bank EVER. I have POA over my son affairs and was trying to sell his house. I was expecting for the short sale to be completed within 3-6 months. Everything that was needed per their request was turned in. Even my buyer accepted their counteroffer and they still would not let us close. Finally almost a year later we just got the approval to close. On closing day, the bank tried to come back and say that would couldn't close 2 mins before closing. Luckily my attorney sent them back the letter that they sent that they gave us stating permission to close. We closed but the bank refused to pay the attorneys which they were supposed to and now I have to come up with money that I don't have. This bank is ridiculous. It took me through unnecessary hoops. If you can avoid them you should

Their customer service lied and told us we'd have our refund processed and given the money on one day, then on that day, the story changed and they couldn't do anything but make us wait an extra 48 hours. They lied and said coming into the physical branch would let them help, only to be turned away, wasting our time and gas. Zero care, zero help, nothing but incompetence and greed. Worst bank we've ever used and will be closing our account immediately. Absolutely awful to their customers.

Locked out of my account while traveling on vacation in the Caribbean for no apparent reason, and told to call 1-800-269 8463 to unlock
Now on hold for over 45 minutes with no help, yet
In general, face-to-face banking with M&T can be cumbersome at times, with poorly trained or ignorant tellers. Before M&T bought out Peoples, it was a good bank with dependable service>
Taking my $$$$$$ elsewhere this year, and no one at M&T seems to care. Terrible bank for personal banking. STAY AWAY

DO NOT DO NOT DO NOT DO NOT
I worked here and would NEVER suggest anyone to bank here! They ruined my destination wedding plans because they can't get thru their own security.
****INCAPABLE OF TRUSTWORTHY BANKING****
Tried to pay for my wedding venue and they flagged it as fraud stay going into the bank to let them know all the details ahead of time, this went on for 4 days and 2 bank managers and fraud team STILL couldn't figure out how to make the payment, again when trying to book a snorkeling trip after telling them ahead of time. I lost my entire booking, resort and plane tickets!
I can't even use Zelle to get paid from my cleaning job because it flags fraud! AND ZELLWLE COMES WITH MY BANK ACCOUNT and they STILL can't figure itout 3 years later.
They are helpless and absolutely so ridiculous with their fraud team that they can't even manage their own security.
WHO THE HLL WOULD TRUST THIS BACK WITH THEIR MONEY?!

Long hold times and in one case, after a very long hold, I was just connected to a crying baby… I am 100% not joking, there was a baby crying in the background and no rep on the line. So joy only do I have to call back and go to the end of the line and start over, I am now haunted by the crying baby with no one to calm it on the other end. Not sure what kind of employee sweatshop M&T is running but I would avoid these clowns.

To be honest I didn't even know that bank existed until I had to go there to cash a check. Upon entering, I agreed the security guard with a "Good Morning". He looked at me like I'd killed his mother, without any reaction whatsoever. The cashier took too long to process the transaction, and when she was about to give me the money, she said: It has a five dollars fee. I said to her
"whatever". It is crazy. I go to PNC Bank or Wells Fargo all the time and never charge me anything for that. I hope I don't have to come back there. It was the location on Castor Avenue in Philadelphia.

Whatever you do - don’t work at a call center in M&T bank. I can’t tell you the experience as a Teller .. but don’t work at their call center. You are guaranteed to become a shell of a person. It will mentally exhaust you in ways you didn’t even think were possible. You will be micromanaged to a fine hair.. nothing you do will be right. They set you up for failure unless you operate like a robot. The tension of working here with the high demands of upper management will cause you to have extreme resentment towards the company & this will surely translate to your calls; you won’t want to deal with customers & their complaints, you’ll lose your spark of being nice & using empathy. If you have mental health issues - this job will make it increasingly worse. Please do yourself a favor & never work for this atrocious company.

Fraud department treats you like you're the one trying to steal. One of the worst customer service experiences I've ever had.

I went to the bank in Stroudsburg PA unfortunately and was treated horribly by the teller..I was trying to close my husband's account because he passed away suddenly on December 22,2025. I admit, at first, I have been on edge due to my husband's passing, not to mention, my 17 y.o. kitty also passed away the day before..I apologized for me being perhaps edgy but that made no difference..she showed zero empathy and had a terrible attitude, she kept me waiting. I had all the necessary paperwork, then she said she wanted to run it by her boss..who was having lunch in her office, she went in, I followed asking what the problem was..I had all the necessary paperwork..I just wanted to close the account..finally and still with an attitude she cut me a check for the amount to the estate of my husband..the teller's name is Jennifer..there was only one other teller and the manager who hides in her office..I have never sent in a bad review, but they were so so very rude..they should be fired..

The Oakfield, NY M&T branch is in serious need of re-training and the need to understand Customer Service. The Tellers and Manager all have two speeds; Slow and Stop and they seems to be happy with that. Don't ever enter the bank thinking that it will be quick trip, even just to make a deposit, because they WILL NOT expedite the transactions and will blissfully ignore customers standing in line!

Tried to spend my money. You blocked it and told me to call the fraud department IMMEDIATELY. I called immediately and I have been on hold for 1hr7min so far with no end in sight.

I will be going to my local branch and closing my account as soon as possible. I will also leave negative reviews on every possible outlet.

You are holding my money hostage and you have the gall to put me on hold for over an hour?!? Are you kidding me? This disgusts me on so, so many levels, I can't begin to put in words how angry I am.

This is my money. How DARE you stop me from using it. It's under the guise of "fraud protection" but that's bs.

Edit: 2hrs now, still "we are assisting other customers, thank you for your patience.". What an absolute joke. I'd rather keep my money in my mattress than with this bank any longer.

This is really great thing for some company and business that they can get one star. I wish we had negative stars. God is my witness from the second day i moved to US, I opened an account with this company (suggested from a friend smh) i had issues till the day I completely close my account. Believe me or not, I got scammed (not by company employees) through this bank, cost me over 2k. And they as usual, WE ARE REALLY SORRY. now UNFORTUNATELY, my mortgage went under their company, I had no power over it to stop it. And its been one year nightmare. God knows how sad I am because over unprofessional and unresponsible this company, I might even lose the house. How many people have this feeling about this company? Karma watch everything. ✌️

⭐ 1 Star – Extremely Disappointing Experience with M&T Bank

This has been the worst bank I have ever dealt with. My experience with M&T Bank was stressful, unprofessional, and deeply concerning. Funds were mishandled, communication was poor, and several employees were rude and unhelpful.

What alarmed me most was their handling of homeowner’s insurance. Without proper notification or authorization, M&T Bank placed force-placed insurance on my mortgage in the amount of $67,000, despite the fact that I already had coverage in place when I recently closed on my loan. This caused my mortgage costs to increase significantly and unnecessarily.

Rather than working with me to resolve the issue promptly, the process felt aggressive and confusing, creating unnecessary pressure that could easily push homeowners toward foreclosure. I felt misled by representatives and was given inconsistent information throughout the process.

I am grateful that I was able to remove myself from M&T Bank, but I genuinely feel for anyone still dealing with them. Homeowners should be extremely cautious and monitor their accounts closely. Based on my experience, this bank needs serious oversight and accountability for how it treats its customers.

Worst bank. You can never get a hold of people. Bank is failing.

This compant acquiered my mortgage in 2021 but they are incompetent . This year they forgot to pay on time the insurance , I called them and they did late .Resultat Citizen refused the paiement and Have closed my insurance , on top of that M&T Bank asked me to pay 1500 USD for the period or the house was not covered ( because we need 30 days between 2 home owner insurance). They don t know also how to calculate the right sum of the escrow and when we call the customer service , each time you got a an different answer . Very bad experience

Just tried to open a checking online and recently received a email stating that my account was closed without a reason. Then I received another email from another person or source stating it was flagged for possible future fraud and that I had no way to fund the account. This seems kind of odd since I checked my Chex System report and found nothing there at all that would suggest anything close to that. This was kind of odd so I'm wondering if someone contacted them and made up a bunch of bs to get the account closed. The funny thing is it happened just before my debit card arrived in the mail. I'm wondering if it could've been a employee from a bank that I currently do business with. I just find the whole episode damn peculiar and offsetting to say the least. I received a response from the bank after I made a complaint on the CFPB website and I will copy and paste it here because the CFPB won't allow you post it there.Enjoy.

January
13
, 2026
Re: CFPB No.:
260103
27403666
Dear CB:
I’m writing in response to your correspondence to
(CFPB) the Consumer Financial Protection Bureau
regarding your M&T checking account ending in 5345.
Thank you for the opportunity to respond to your concerns.
Thank you for your feedback.

At M&T, we strive to provide the highest level of quality service.
As such, your concerns regarding
your overall experience were escalated to the appropriate level of management for review.
Here’s what you should know.
Your recent correspondence requested the specific reasons why M&T Bank would close the above
mentioned account. We are unable to provide additional details concerning this matter. The terms
associated with your account allow M&T to close a deposit account for any reason.
At M&T Bank, we understand your concerns. However, the bank is within its rights to exit a
banking relationship, and the decision to close your account will remain.

Please know, any future correspondence relative to this matter will not be met with a different response.

Sincerely,

Erica Ladd
Customer Advocacy