After openning a free checking online in Aug 2008 I realized that contrary to free billpay service that I had in 4 other banks there is fee for billpay at M&T, so I cancelled my billpay subscription online via bank secured e-mail.On 2/21/2009 I received the only paper statement from M&T Bank showing my checking account been closed due to -$6.35 cumulative billpay fee and sent to collection. I spent more than an hour on 2/24/2009 with different departments of M&T bank trying to resolve the bank error, each representative shown... read full review »