M&T BankReviews of mtb.com

The worst bank ever. I had a 75 month installment loan for my car. I made 67 out of 75 payments on time. I was late 8 times due my my divorce. Even though i made all payments and recieved my title, these guys are reporting my loan as a charge off. It is impacting my credit score by 100 points. I think they do it for tax purposes. How is it poossible that i paid off the loan and they charge it off. Its very unfortunate.

No online access to credit card accounts. Part of their verification process is that they ask you for the first 5 digits of your SSN, anyone see the issue here? And to top this, a change of address requires that you give them your full SSN!! And that's not even all of it, they record the calls, and the representative CAN also see your SSN. This looks like a scam bank, not a real bank. This is beyond ridiculous. How do they guarantee that employees don't take screenshots of PI? If they get hacked, it will be the easiest access to SSNs ever because all they need to do is listen to the recordings and open the excel tables where all the SSNs are kept for verification purposes.

Wish I could give less than one star. Horrible Customer Service access.. Actually no Customer Service help online or calling branches. I just acquired a new loan from them and wish to make a payment. I received aero information or help as simple as talking with a real person. Horrible .

Nothing but a runaround. We are doing a loan assumption between my sons. He was approved but they failed to let us know they closed the file. We had to reapply and they denied the 2nd time. They are horrible with communication and have given us nothing but a run around. The original loan was bought out by M&T, I would NEVER recommend!!! Awful.

This is a joke of a bank. Financed an RV through them at the dealership. Paid monthly payment for a few months and then Paid the loan off through their archaic banking portal.(Seriously just a step above smoke signals.....) After a month or so I got a statement saying the payment didn't go through and that I owed fees. It never hit my bank so my bank can't tell me what happened. M&T closed my online access to the account when they said I paid off the loan which I verified through their online banking department. I had online statements only and I am trying to figure out why my pay off didn't go through and get them paid, but they won't talk to me or even send me a payoff statement without knowing what my last payment amount was, which was the payoff amount. I have no Idea what that number was since it never hit my bank account and they have me blocked out of online access! I have spent over an hour on the phone and talked to 4 different people so far and now they say they will have to call me back. So I guess their tactic is to just try to ruin my credit while amassing late fees and interest. This is even after verifying my SSN and all other pertinent information to the loan. All the information they are requiring for me to talk to them they have blocked access to. This has to be illegal. A hot poker to they eye would be better than dealing with these people. Run away. I fully expect that they will say that this is to protect people yada yada yada, but sending a payoff statement to the address on the account or to the email on the account would be doing the person that has the loan a favor and be alerting them to possible fraudulent activity, not a security risk. Everyone says the same thing, "I can't help you because we have to follow procedure." I do understand the importance of procedures, however when your procedures are offering zero protection and just a blind religion you're employee drones are following so they can keep their jobs instead of using common sense, It's just ridiculous.

This incompetent company acquired our mortgage in early 2025, our home insurance policy and windstorm policies combined went up roughly $450 ANNUALLY. M&T Bank raised our MONTHLY payments $800. Apparently they don't understand what annually means. Also, we have been getting an "other" charge that nobody in this company can explain to the tune of another near $200 a month. Our entire payment has gone up over 30% due to the incompetence of this bank. I get taxes increase, but I dont think they increased $800 a month.

After banking with them for 20 years, they were no help when I needed them. Despite having a great credit rating and continually being called a valued customer.

My experience deserves ZERO stars. As a first-time homebuyer, I was forced to use Corelogic through M&T Bank's program, and it's been disastrous. Just two months into my mortgage, they incorrectly disbursed funds from my escrow account, creating a significant shortage. This error skyrocketed my monthly payment by $653.19, a 28% increase. My mortgage, initially 50% of my income (what M&T needed to approve me), is now an unsustainable 78% because I effectively paid a year of escrow in advance, only for them to mismanage it. Now, I'm forced to pay my entire second year's portion upfront. Money that I could make more money with or at least the current interest rate. Despite their mistake, Corelogic or M&T has offered zero support or communication, leaving me stuck paying a mortgage that jumped from $2,200 to $3,000. My attorney and Corelogic's own data confirmed this was due to their error, not a home reassessment or tax change. Avoid Corelogic and M&T Bank's first-time homebuyer program at all costs.