I changed jobs and no longer had direct deposit. I called M&T to ask if I need to change my account type, and they said as long as I kept $2500 in my checking and linked accounts I would received no service charges. The next month, I received a $5.95 service charge. I called and they said that I had to keep $1500 in THAT account and $2500 total, but they did reverse the charge and change my account type. The next month I got charged two fees of $2.95 each because I had enrolled in (but never used) web bill pay. There is no way to... read full review »