Do not open a safe deposit box at any M&T Bank. If you do or already have one, make sure that you never close out a safe deposit box before your paid up year / annual fee is up. While most other banks will prorate a refund for the portion of the year that remains. M & T Bank does NO refund. I had a safe deposit box with them for many years. The $125 annual box fee was paid in full in January. The box was closed out in mid-March --- approximately $90 they keep. The "theft" of this is that they can still rent the box during... read full review »