I entered the bank on January 30 2013 to cash a check; I have 2 business accounts and a personal account with M and T Bank. I signed the check and put a thumb print while waiting for the Teller.
When she came she was looking up the account and had to receive approval because of the amount of the check". This was a new account but I am not a new Customer. The other Teller comes and starts asking who the owner of the company is, where else did I try to cash the check, and treating me as if I was a thug that just came off the streets:. My check had cleared and been validated, the Teller proceeds to help other people without letting me know anything when I asked what is going on she tells me that they are working on it and she doesn't know what they are doing".
So I asked to speak to a Manager and she says the Manager is in the back working on something. After I insisted on a Manager and raised my voice then someone came from the back and guided me to the Manager, as I arrived in the Managers office she is calling the bank I opened the account with inquiring on my intentions.
I was never asked any questions; they were treating me as if I had bad intentions, without explaining or asking any clarifying questions! They didn't even research to see if I had any other accounts/.The customer service at this location is very unprofessional and the Tellers are very unhelpful, if you can go to another location or better yet go to another bank.
I have been with M&T Bank in Rhinebeck for decades and the people who work there have been nothing but gracious, professional, knowledgeable and helpful. When my wife died last March, the principals at my local M&T were there for me as I navigated the difficulties in transferring accounts, etc.
I am on mobile, so forgive my syntax. I stopped here, to hurry and deposit sum funds into my links accounts overdrawn during holiday. Because I was roughly 15-20 dollar negative, they could not cash a check drawn on their bank so I could deposit just sum funds, to bring out of negative, yet provide me with funds for lodging and expensis. Matt the teller, tried to tell me, waving the M amd T check I had presented, that this is not valid as funds, till deposited and cleared. And that technically I had to have enough in my account to even cash it. This is not correct, when a check is presented, when drawn on same bank, and check is good, which in this case, it is. I notice small town banks always try to pull, what cannot be pulled in large metros. Poor Matt, his only authority in life is when someone like me enters the bank, and he is suddenly thrust into the role of GOVERNOR! Regardless, I cashed a check not long before for 3 times the amount, with little to no funds in my account, due to the fact, it was written/drawn on this same bank. If Matt was correct, very little "checking and receiving" would be done, and everyone would sit to wait for checks to clear, even if drawn on same account and any large checks would go unchecked unless someone was wealthy enough to have the funds to match it. I find it hard to fathom that Matt can continue to work there unchallanged on a daily basis, as he messes up protocol and makes M and T look like a bunch of idiots!