M&T Bank

National Bank, mtb.com

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B MyBankTracker
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

With more than 780 convenient branches located throughout New York, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia, Florida, Delaware and Toronto, Canada- plus free account access at over 2,000 M&T Bank ATMs-we're never far from where you live, work, shop and play.

M&T Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) $39 $30
  • Stop Payment item $35 $27
  • Return Deposit $20 $13
  • Domestic Wire Transfer (Outbound) $32 $22
  • Domestic Wire Transfer (Inbound) $16 $10
  • Non-Bank ATM $3.0 $1.0

Locations & Hours

map of local branches and ATMs

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

    Reviewed By banker67 Dec 1, 2017

    Superior Customer Service by knowledgeable employees, every time.

    Always greeted with a smile and how may I help you today. Upon completion of service usually asked "Is there anything else I can do for you today" [a nice reminder]

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    Reviewed By forgedangel Nov 5, 2017

    Impossible to Balance your Checkbook with M&T

    I've been a patron of HCSB for over 2 decades... and when M&T bought them out, I was worried, but I gave them a chance.
    It's been at least 2 years now, and I CANNOT BALANCE MY CHECKBOOK! I never had any trouble with HCSB, but I discovered the with M&T, pending transactions are never the amount of the actual charge. This is sometimes explained by tip charges on restaurant bills, but often times, the amount of pending transactions is dyslexic and reversed. Example $94.46 vs $94.64... so I'm consistently struggling to balance my checking properly.
    This has been a frustrating problem since the very first statement, and other than former HCSB bank employees (now M&T employees) acknowledging and validating my frustrations as a common complaint... M&T continued business as usual. The matter is so frustrating... I'm prepared to move my 2+ decades old accounts to my other bank.
    Not happy at all with M&T SOPs... less impressed with their lack of interest or concern into this problem.

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    Reviewed By smmarvin12 Oct 12, 2017

    Worst Bank I've Ever Worked With

    I opened a checking account at this bank a little over a year ago as I was moving and wanted a bank that I could access nationally. It was the worst mistake I've ever made. None of their policies seem designed for the customer's needs. For instance, like all humans, I made a mistake one day. The mistake caused two checks to be POST DATED to my account. In other words, I checked my account at 11:45pm before going to bed: its fine.The next morning I wake up and get a notice from the bank that my account is negative. When I looked in the app to find out why, it showed two checks as being cashed against my account the day before. In other words, they post checks to the account on one day, but don't reflect their deduction from your account until the next day. In addition, the second check posted would not have overdrawn my account if it had been posted first. I immediately went to the bank and deposited cash to bring it back to a positive. The next day, now two days after the checks have supposedly cleared, I see two insufficient funds fees posted. So I called the bank and asked for more information. If check two would not have overdrawn my account, and only did because check one had previously overdrawn my account and both were posted on the same exact day, why were they posted in that order and why am I therefore charged a fee twice? The representative told me that I was charged fees because I did not bring the account current the same day as it went negative. In other words, because they post date when a check clears, I would never be able to fix any overdrawn checks on the same day, but its still my fault that the account was negative for 24 hours. When I asked why the first check came out first, she said that even though they were deposited by the people they were written to on the same day, check one was numerically before check two, so check one was cleared first. When asked what would happen with debit transactions that clear on the same day, she was unable to give an answer.

    I understand that the overdrawn account was due to my error in not depositing the cash soon enough. However, their policy in post dating their check transactions is what made it impossible to fix the situation in what would be considered immediately. Their policy to deduct checks from the account in numerical order is what allows them to charge me twice for fees, when it should have only been once in my opinion as only one check would have actually overdrawn my account.

    This is one of numerous negative events I have had with them. One other reason I hate this bank is because their safety measures mean that you cannot connect a third party app easily to your account. I tried to use the mint budgeting tool, and M&T refuses to allow Mint to connect. When I called to ask about it, I was told this was a safety measure. Mint is a well established app. I tried to connect Acorns to it. Same problem.

    There are simple solutions to these problems. For instance, putting the check in as pending on the date it is supposed to clear would definitely help people know when the check is going to be deducted and allow them to double check that there were no mistakes made in making sure the account can cover it. Waking up in the morning to find out, oh, hey, this check deducted yesterday we just didn't tell you until today is extremely frustrating. Allowing well known and highly rated for safety apps to connect to the account so customers can use features that you do not offer would also be extremely helpful.

    Don't use this bank. Unless you have that recommended six months of savings and will never need any kind of actual customer service, this bank will drive you insane and make you wish you had never moved away from your previous credit union.

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