M&T BankReviews of mtb.com

M&T Bank has some of the worst “customer service” I’ve ever dealt with. They actually blocked my Zelle when I was trying to move my own money, my own funds and then made me jump through hoops by calling a fraud line just to unlock it. On top of that, they sit there asking invasive personal questions over the phone, which is ironic considering they claim it’s for “security.” So somehow I’m supposed to feel safer giving sensitive information to a random person on the phone just to access my own account? Makes zero sense. This bank treats customers like suspects instead of people. It’s frustrating, outdated, and completely unacceptable in 2026. I’m closing my account and taking my money somewhere that actually respects its customers. Avoid M&T Bank if you value your time and sanity.

Terrible bank which uses outdated technology and tries to make it as hard as possible for you to pay down you auto loan. Terrible scam of a bank. Incredible they're still in business.

D3/14/26 A few days ago, I needed to call customer service regarding Zelle. They refuse to assist without my pronouncing the name they can see and read. I let them know how I prefer to be addressed (according to my visible name.) M and T Bank is more interested in pronunciation of names they can see and read, rather than providing customer service to a customer who can tell them all about the account! And the fact is, it has never mattered what the pronunciation is! However, M and T Bank prioritizing pronunciation INCONSISTENTLY over customer service with customers who can tell you everything about their account is corporate, dark age “cart before the wheel” brainless ignorance. Signing on to a new bank.

Horrible. You cannot get basic customer service from this bank. I asked for amortization schedules, 22 days ago. 8 days ago, I was sent an encrypted email that when you download with an it- a professional in IT relayed the attachments are nothing but symbols. I was also told they were mailed 9 days ago. Mail from new york to here takes a max of 4 days. This is the worst bank.I have ever been with.

I am writing to formally express my concerns regarding my recent experience working with Tran Ousa, Commercial Lending Manager at M&T Bank, in connection with a commercial loan request. As someone who has been in the lending industry for many years, I have extensive experience with loan processes, underwriting requirements, and the level of professionalism and communication that should be expected throughout a transaction. Unfortunately, my experience working with Mr. Ousa fell significantly below those professional standards. From the outset of the transaction, I was assured by Mr. Ousa that the loan would be relatively straightforward given the financial strength, leverage, and supporting documentation I provided. However, as the process progressed, it became clear that the file had not been properly reviewed or prepared. The handling of the documentation and overall management of the loan process appeared disorganized and lacked the level of diligence one would expect from a commercial lending manager. Communication throughout the process was also extremely concerning. I frequently had to follow up multiple times simply to receive basic updates on the status of the file. On several occasions, I was forced to contact other departments within M&T Bank just to attempt to reach Mr. Ousa or obtain information regarding the progress of my loan. This type of communication breakdown is highly unprofessional and created unnecessary delays and frustration. Equally troubling was the apparent lack of proper document review early in the process. Items that should have been identified and addressed during the initial stages were instead brought up much later, resulting in inefficiencies and avoidable complications. This reflects a lack of preparation and oversight that should not occur in a professionally managed commercial lending transaction. Based on my experience, the handling of this loan did not meet the level of service, organization, or professionalism expected from a financial institution such as M&T Bank. As a lending professional myself, I found the overall experience extremely disappointing. Given the manner in which this transaction was handled, I would not recommend working with Mr. Ousa or pursuing commercial lending through M&T Bank based on my experience. I strongly encourage prospective borrowers to carefully evaluate their options before engaging in a lending relationship under similar circumstances. I hope this feedback is taken seriously and used internally to review the handling of this matter and improve the level of service provided to future clients. Sincerely, Scott Nortman

Overall horrible. Online banking is terrible. I have a loan through M&T. First to setup automatic recurring payments you have to call and fill out a form, you can't just set it up online. Then I find out that they don't let you pay an additional amount on your loan with automatic payments setup that you have to call each month to pay an additional amount!

This bank is a joke. They flagged "my activity" as fraud on my credit card. It was me! now no one will lift the hold/frozen restriction on my card. Ive been passed around their customer services lines for 3+ hours all to get no where! I will be pulling my funding from them and telling anyone who asks to stay away from them.

M&T Bank Owns Lakeview & Loancare Servicing - Long story short - I was required to purchase flood insurance 10/2024, it was confirmed my flood insurance was on file and everything was good to be escrowed. 11/2025 same story. Fast forward to 2/2026, my mortgage jumped $1100. When I called in they stated they purchased flood insurance for me at $3600 x $7200. After 2.5 nothing is being done to rectified the issue on Loancare side - I have gotten a bunch of "I have made notes and we will call you back". Loancare is in bed with FEMA and the insurance company that imposes 600% inflated rates, which is unlawful on so many levels. DO NOT DO BUSINESS WITH THEM OR ANY OF THEIR PARTNERS.