M&T Bank

Overview / Commentary
345 Main Street
Buffalo, NY 14203

M&T Bank is a publicly traded (NYSE: MTB), New York-based bank that offers an array of personal, business, and commercial banking products and services. With over 15,000 employees, and tens of billions of dollars in assets, M&T is one of the largest commercial banks in the United States.

On its personal banking side, M&T Bank offers checking, savings, Money Market, and Certificate of Deposit (CD) accounts, as well as investment guidance, retirement planning, and web trading services. Checking account options are numerous and range from free and basic to premium and interest bearing. The bank’s free and college checking account options are very similar and come with no monthly fees and a check card. The premium checking account offers minimal interest and has a monthly service charge that can be avoided by either keeping a minimum account balance or taking out a mortgage loan with the bank. All of M&T Bank’s checking accounts allow account holders to avoid an insufficient funds charge when the violating purchase is less than $5. A savings account is available with a low yield and a monthly service charge unless certain requirements are met. Two Money Market account options are available: one MMA has no monthly service fee but offers a low interest rate, and the other MMA offers more competitive rates with a monthly service charge. Certificates of Deposit (CDs) are available in term lengths ranging from 6 to 60 months.

M&T Bank online banking provides a secure system for account holders to view past transaction history, transfer funds, pay bills, and set account alerts. The M&T website is optimized for mobile banking, and the bank has released a smartphone app to make it easy and convenient to perform the above tasks while on the go.

M&T Bank was originally established in 1856 and is headquartered in Buffalo, New York. The bank is a subsidiary of M&T Bank Corporation, a bank holding company that has grown substantially through numerous acquisitions of financial institutions in the past 25 years. M&T Bank maintains a multitude of branches located throughout the Midwest, Northeast, and parts of south Florida.

Valley Mall Hagerstown, MD

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This Valley Mall branch consistently has the best managers & customer service being a long time account holder. On Saturday, needing to come into a lobby for service, we found out that appointments are required for Saturdays. We were at PA Ave branch because it was closest location at that time. This manager provided a polar opposite experience from the Valley Mall branch. And watched me struggle with my dad for 5 minutes & showed 0 empathy about his wasted trip & difficulties in & out of the car. This was at 10:30am. She had 2 employees present, no customers & 1 appointment there & rudely turned us away. It's not always what you say, & I did understand, it's HOW you say it. We went to the Valley Mall branch just to try our luck. My 94yo father is in a wheelchair & difficult to get in & out of the vehicle. I walked in & told MS. KELLY STINE, who was alone & it was now 11:45am, I didn't have an apt but my 94yo father was in the car & could she help us. She advised typically an apt is required but she would be happy to help us. When I came back to the bank she personally opened the door for us & ushered us back to her office immediately. She worked quickly, efficiently & most importantly with empathy for my father's condition & age - she was attentive, friendly & patient with him. Upon thanking her, she modestly said that M&T's goal is to provide the best customer care & satisfaction. Ms. STINE exemplifies the kind of gracious representation a bank - who handles people's personal finances - should provide to the public. THANK YOU MS. STINE for your kind & efficient assistance & resolution.
This rating is for Valley Mall branch exclusively.

User Error Not The Bank

Posted by: |

Im reading all the bad reviews dying laughing at all the people blaming the bank who's following their rules for their stupidity. Take some responsibility once in awhile and realize the world doesn't revolve around you. And english is a must in the USA otherwise your fault. This country really needs to atop catering to non english speaking folks.
Anyway i agree their fees are excessive but just bank correctly and you won't have to deal with that and/or pay them fees. M&T has actually been a great bank for me and all the others have done me dirty. A block on overdrafts is imperative and should be used when i want it. M&t has where other banks go transaction crazy charging fee after fee just to increase that bill. Ive lost respect for most banks but m&t still keeps me going thankfully. When using your head regarding stuff and following their policies it's a good bank to use for direct deposit though they wait until the last second to release funds and to pay bills. Zelle is a bonus. For typical everyday money stuff they've been ok to me so far.

Better Options Out There, Period.

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Website & mobile app almost never loads and doesn't work a majority of the time, the online banking experience overall is frustrating and broken.

M&T Bank In Maryland

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Hello, my name is Diane and I’m telling u never use this bank they play games and they are so unprofessional I can’t wait until the next business day so I can close this acct



Health Grade Components

FDIC Certificate #588
Year Established1856
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD8.47%
Annual Interest Income$2.74B
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$214.7B$202.4B
LoansQ1 2024vs Q1 2023$132.8B$131B
DepositsQ1 2024vs Q1 2023$170.5B$161.6B
Equity CapitalQ1 2024vs Q1 2023$25.98B$25.33B
Loan Loss AllowanceQ1 2024vs Q1 2023$2.19B$1.97B
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.28B$2.61B
Real Estate OwnedQ1 2024vs Q1 2023$33MM$44.5MM
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† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

M&T Bank Savings Account Rates

0.01%$1$1mRelationship Savings
0.01%$1$1mM&T Starter Savings

M&T Bank Checking Account Rates

0.01%$1$1mMyChoice Premium Checking
0.01%$1$1mMyChoice Plus Checking


Buffalo Area

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