They have started charging me service charges for INSF fees that do not show up on my statement or online. When I inquired, they said that they were holding checks from my deposit. I said, "Shouldn't that be reflected in my balance on my statement." They said it depended on where the check was from. I asked which checks were held. They said they couldn't tell me after the fact. Then they blew me off completely. If I had INSF funds, that should reflect on my monthly statement and it doesn't. As a matter of fact it shows a positive balance on the dates they say that I bounced checks. I can't believe it! It's got to be illegal!
I deposited a check into the ATM machine and it got stuck into the reader at 4:35 pm. Two employees were exiting the building (end of work day) I asked them questions about getting my check or credit for deposit. they look at me as if I'm panhandling and tell me to call the 1800# poor customer service. I waited until next bushiness day called the branch explained situation and again was treated like I was wrong or providing misleading information. I'm certain that someone pulled the jammed check from the machine, saw my account number and signature, however no one called and the funds still (day 3) have not been credited to my account. Nevertheless poor experience. Bank with credit unions where members are just that appreciated members. This branch sucks to the core.
It is beyond comprehension how a bank with such horrible service and borderline felonious fees can still be in business. I just received a savings account statement and they deducted so many of these "fees" that I now carry a negative balance. First of all, those fees more than wipe out any interest I've earned, but more importantly why would they keep taking away more money when there is none there? I plan on closing it today and refusing to pay their ransom.
Please do yourself a favor, and never open an account at M&T. You are far better off using a credit union or buying a safe.