M&T Bank Omdömen 

This is by far the worst bank I have ever dealt with. My mortgage loan was transferred to this bank, and I've never had these issues with my previous lender. I have always made my payments by the due date, and my previous bank had no problem accepting partial payments throughout the month.

This bank refuses to accept partial payments unless they are made exactly the way they want them. I was even told by one manager that I could call in and make a partial payment, but when I tried, that wasn't even an option. I have spoken with six different representatives, and every single one has given me a different answer. No one seems to know the actual policy, and there is no consistency in the information they provide.

Instead of helping me make my payment, they spent more time trying to tell me how I should manage my finances. They repeatedly suggested refinancing my mortgage, even though I already have a great interest rate and have no interest in refinancing. I don't need financial advice—I simply need a bank that will accept my payment and provide accurate, consistent customer service.

The customer service has been rude, unhelpful, and frustrating. I have always paid my mortgage on time, and this experience has been incredibly disappointing. If you value clear communication and customer service, I would not recommend doing business with this bank.

M&T just took over my mortgage and it has been very difficult to pay my mortgage! So hard that it seems like a scam to charge me fees! All they have to do is give my my mortgage account number, why didn't they send it to me in the mail?! I am on the border of being late on my mortgage - First they told me that I have to come in to a branch in person, but after explaining that they have no branches withing 2000 miles (!) they told me that I need a video appointment - so at two weeks late now trying to pay my mortgage... We'll see if it can be done!

If I could give them zero I would. Our mortgage got transferred to them. Our first payment went up $400 when nothing had changed. They said they received it like that but we have proof that that isn’t correct. They keep getting our county wrong as well. They say they’ll look into it. It’s been two weeks and still nothing. I am beyond frustrated with them. $400 extra each month adds up.

Worst Bank ever deposited money into the ATM machine froze now have been waiting three days. Supposedly I will get my money next week. What a joke.

M&T is the best bank I ever banked with. I’m nearing 70 years old so I’ve belonged to many banks in my life.
I’ll sum it up. Even though I’m far from well off, basically living month to month on Social Security anytime I reached out to M&T for a variety of reasons I am treated like I’m the wealthiest customer they have. I really appreciate the customer respect and very patient and friendly customer service I am giving.
Thank you M&T

WOW what a bunch of Bozos, first I'm talking to someone in another part of the world(not understandable)... asked to speak to rep in the USA. Then to make matters worse (after getting to rep based in USA)Michelle is not able to email "payoff" amt or as M&T calls it (pay to zero balance), glitch in the system. All as I can say they get triple thumbs down on any and all correspondence using the phone. What a waste of time!!!!!!!!

In an attempt to pay my loan off, it took 4 phone calls. 2 of the four phone calls I was not able to understand due to a language barrier and asked to be transferred to someone else and they said they did not have that option so I had to keep calling until I got someone I could understand. After paying my loan off they will not send me anything proving I paid the loan off!!! What!!! This is ridiculous! I gave the $12,000.00 and they will not give me a receipt. I will NEVER use this bank again. If you give a bank that much money and they refuse to give you a receipt, HUGE RED FLAG FOLKS!!!!!!

I have an existing FHA mortgage serviced by M&T Bank and am currently in Chapter 13 bankruptcy. I recently learned that approximately $1,950 in bankruptcy attorney fees/costs were charged or requested on my mortgage account.

When I asked for a clear breakdown, the only document provided through M&T/SouthLaw was a one-page ledger. It listed vague entries such as “MFR fees” and “MFR costs,” but did not explain the specific attorney work performed, why the charges were assessed, invoice details, dates of legal work, or whether the fees were approved through the bankruptcy process.

This happened during an extremely difficult financial period while I am unemployed and trying to keep up with my mortgage and household expenses. In my opinion, M&T should not be charging or requesting large bankruptcy attorney fees without clear, itemized, verifiable documentation. I would strongly caution mortgage customers to review every fee and demand proof for any legal charges added to their account.

Completely incompetent! Waited over 6 weeks for my car title after my loan was paid off. Made multiple phone calls requesting the title. I was told repeatedly it was being mailed only to find out it never was mailed and never would be. It was electronically released a month prior. No one we talked to gave us this information. They repeatedly lied to us saying they could "see" it was mailed out.

Absolutely THE WORST bank. I have never had any hassles with a bank until M & T took over. Started on Day 1 when they insisted there would be no problems with the takeover of my old bank. Their errors cost me hundreds. Their employees have a horrible attitude and are unhelpful. Their tellers have you fill out paperwork and as soon as you are done, oh they forgot the system is down, go use the ATM. They will not help with disputed charges on your debit card. They don't care if is not valid, they offer no assistance whatsoever. Go to any other bank. M & T is worse than any of them.

If u could leave 0 stars i would. I have 5 accounts with them and every other week have to call customer service answering a million questions to access my money because they have constant updates blocking Zelle payments or online banking access or random reasons or excuses they give as to why their app doesn’t work. To not be able to access your money or make business transactions makes this bank irrelevant to its necessity. Cannot wait to transfer all my money somewhere else. I’ve been with this bank for over 7 yrs and longer with accounts at navy federal, Chase and TD and the M&T has been most consistent n having issues.

Description of Error
Disclosed Payment: According to my finalized Closing Disclosure (CD), my total monthly mortgage payment was legally disclosed as $4,995.47, which explicitly included a monthly projected escrow payment of $1,267.60.

Actual First Bill: Despite the binding disclosures signed at closing, my very first monthly billing statement demanded a payment of $5,799.00.

The Cause: Upon investigation, M&T Bank's escrow department failed to realize prior to closing that the escrow account was in a shortage position.

This shortage should have been calculated, straightened out, and properly disclosed in the loan documents before closing. Because it was not, the bank is now improperly attempting to collect a payment that drastically deviates from the legally binding closing documents.

Customer service is horrible. Communication even worse. Do not recommend as a service provider.

We opened a checking account and received a $200 bonus as promised. Great customer service.

It was a pain to set up my account and it also wouldn't let me make a same day payment on my house!!

Wouldn't recommend. I called 302-724-2440 7x and LM 3x. No one called me back. I sent a text 2x and got no response. When I went to the branch, I was told that M&T doesn't have a text service, but the texts went through on my phone. I emptied my checking account because M&T couldn't close the account because two charges "items" hadn't "cleared". I have to visit the branch AGAIN in order to close the account -- an unnessary and inconvenient errand. Also, when I signed up for the account, the representative didn't give me a card for the local phone number. And the service was exceptionally slow and the rep didn't seem to understand that my time is valuable. There was only one teller and SHE was also exceptionally slow.

M&T Bank stopped taking over the phone payments for my mortgage. That was always easy and convenient to use. And they replaced it with a shit automated system that regularly drops the call on you. It also makes it difficult if you're trying to make an extra payment. Or an additional amount to be applied to the principal. Horrible customer service.

My mortgage loan was transferred here. They never reached out, never sent a bill or a welcome packet like they were supposed to. I had to use a third party tool to figure out WHERE THE ___ my mortgage was. I found out it's owned by M&T bank now, great! I go to use their online portal, it's genuinely so difficult to navigate. I am a SOFTWARE ENGINEER and I could barely navigate it. The entire thing is built to try to trick you or scam you into sending them MORE money and make it as difficult as possible to do simple tasks (i.e. JUST PAY MY MORTGAGE). I could code a better website in my sleep after a long weekend. But also, I guess if the goal is to scam susceptible older people into enrolling in autopay or paying additional sums on their mortgage that they don't mean to, they're doing great! The website actually REFUSED TO LET ME PAY WITHOUT ADDING ADDITIONAL MONEY TO MY PAYMENT which feels illegal! Awful website, horrible company, if I could rate it lower, I would. I hope whichever bloated financial executive is in charge of making things this bad shits themselves to death like that king in the Bible.

Worst banking experience I've had! The site is very old looking and not user friendly. I keep getting blocked out when I log in to the site "too many times" in a row. Why can't I set up autopay by myself, when I call you don't answer!! Why do I need to call you for anything at all? I bank with a credit union that literally can do everything online or through email. I never have to call or step foot in a branch.
I received very little communication regarding my new loan, other than a letter stating you made a mistake - that's the first time I received my loan account number. This is the worse banking experience I have ever had. Time to wake up and use technology, get out of the stone age!

Worst company ever. Bought my mortgage in June 2026. Have no idea what they are doing. Making it difficult to setup auto pay. Customer Service Reps do not understand how anything works.