M And T Bank

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Category: Business & Finances

Contact Information
Watertown, New York, United States

M And T Bank Reviews

jane April 2, 2010

bank charges

I was recently told by the a M and T vice president that "the system" determines which checks/web payments/debits are allowed to process . The amount in your bank account is not a factor in the decision as you the account holder are ultimately responsible. The bank then processes the check/debit/web payment and charges insufficient fees as a courtesy to you. The amount of the insufficient fees varies depending on the branch where you opened your account. From what I understood, each branch has flexibility in whether to refund fees and the amounts of fees charged.Every morning the "system" reviews accounts with negative balances and decides whether to process the transactions that generated the negative balance. The largest transaction, which results in the negative balance, is processed first and will not be denied.

It is important therefore for every one who is not able to understand this "system" to call/visit your branch manager to discuss any issues directly with M and T.

[email protected] December 28, 2009

Check card

ok i have been a customer of this bank for a year and 2 months and when my account is negative the manager of the only branch in town decides to not just freeze my atm card but to put a stop on it all together so i cant use it i am a disabled veteran who is on a very fixed income so i had money deposited in my account on 12/24/09 so i give it 2 days cause when ur account negative and ur card freezes after your account has been positive for 24 hours the card unfreezes and u can use it...well i come home from christmas and find my cable had been shut off so i call the cable company to pay the bill...and they tell me my card is being declined...which should not have been the case...so i thought it was the cable companys process...so i call m and t (customer Service)...yea right

and the girl who answers is very polite and tells she she will unfreeze my card for me puts me on a 7 minute hold as im in line at wal-mart then after 7 minutes come back and tells me that the manager at my branch has closed the card and thiers nothing she can do...that i have to wait till monday and wither go or call the manager and ask her permission to unblock the card... hopefully im not the only person in the world who thinks this is wrong and as ive been bumming money from my friends to get by this week end and theres not even a garuntee ill get the card (priviledge) back