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M&T Bank Customer Service Phone Number: Fraud, Cards & Complaints

M&T Bank is a regional bank offering checking and savings accounts, credit cards, debit cards, mortgages, home equity loans and lines of credit, personal loans, auto loans, business banking, commercial banking, treasury management, wealth management, online banking, and mobile banking. Customers may need M&T Bank support for account access, fraud, suspicious activity, card issues, online banking, mortgage servicing, loan payments, business accounts, fees, branch concerns, or complaints.

If you are looking for the M&T Bank customer service phone number, the main general service number is 1-800-724-2440. M&T also uses separate department numbers for online and mobile banking, credit cards, mortgages, business banking, commercial cards, treasury management, personal loans, HELOCs, and other account types.

How to Contact M&T Bank Customer Service

M&T Bank Customer Service Phone Number / General Service: 1-800-724-2440

General Service Availability: 24 hours a day, 7 days a week
Credit Card Inquiries: 1-866-279-0888
Credit Card Support Hours: Monday-Friday, 6:00 a.m. to 9:00 p.m. Eastern Time; Saturday-Sunday, 9:00 a.m. to 5:00 p.m. Eastern Time
Online and Mobile Banking Support: 1-800-790-9130
Online and Mobile Banking Hours: Monday-Friday, 8:00 a.m. to 9:00 p.m. Eastern Time; Saturday-Sunday, 9:00 a.m. to 5:00 p.m. Eastern Time

Mortgage Inquiries: 1-800-724-2224
Mortgage Support Hours: Monday-Friday, 8:30 a.m. to 9:00 p.m. Eastern Time
Business Banking Inquiries: 1-800-724-6070
Business Banking Hours: Monday-Friday, 6:00 a.m. to 9:00 p.m. Eastern Time; Saturday-Sunday, 9:00 a.m. to 5:00 p.m. Eastern Time
Commercial Card Servicing: 1-800-443-8671, option 4
Treasury Management Customer Service: 1-800-724-2240
ACH / Direct Deposit Support: 1-800-724-2240
Personal Loans / Auto Loans / Installment Loans: 1-877-686-8424
HELOC Applications: 1-800-724-3222
HELOC Customer Service: 1-800-724-6444
Health Savings Account: 1-877-682-4721
M&T Financial Services Client Service: 1-800-724-7788, option 1
M&T Financial Services Outside the U.S.: 1-716-635-9308
Report Fraud or Suspicious Account Activity: 1-800-724-2440, available 24/7
Report Suspicious Emails: phishing@mtb.com
Report Suspicious Texts: Forward the suspicious message to 7726, which spells SPAM

M&T Contact Page: M&T Contact Us
M&T Help Center: M&T Help Center
Fraud and Security Center: M&T Fraud and Security
Report Card Fraud: M&T Card Fraud Help
Mailing Addresses: M&T Mailing Addresses
Find a Branch or ATM: M&T Branch and ATM Locator
Website: MTB.com
Corporate Headquarters: M&T Bank Corporation, One M&T Plaza, Buffalo, NY 14203
Corporate / Principal Executive Office Phone: 1-716-635-4000 (corporate line, not the best number for routine account support)

Important Note About Older M&T Bank Corporate Phone Numbers

The old CSN page listed 1-716-842-5445 as the corporate phone number. Current M&T Bank Corporation filing information lists 1-716-635-4000 for the principal executive office. For account-specific service, fraud, online banking, cards, mortgages, or business banking, customers should use the department-specific support numbers instead of calling a corporate office line.

Best Way to Reach M&T Bank by Issue

General Banking and Account Questions

For checking, savings, account balances, branch service, account access, routing information, debit cards, address changes, or general banking questions, call M&T Bank customer service at 1-800-724-2440. This is also the number M&T lists for general service.

Fraud, Identity Theft, or Unauthorized Transactions

If you believe you have been a victim of fraud related to an M&T account, call 1-800-724-2440 immediately. M&T lists this fraud support path as available 24 hours a day, 7 days a week. Keep transaction dates, merchant names, amounts, screenshots, police report numbers, and any suspicious emails or text messages.

Debit Card or Credit Card Problems

For M&T debit card issues, lost cards, stolen cards, suspicious activity, custom card assistance, card activation, or card replacement, start with 1-800-724-2440. For credit card inquiries, call 1-866-279-0888. If a charge appears unauthorized, report it quickly and keep supporting documents.

Online and Mobile Banking

For online banking login problems, mobile app issues, Bill Pay, password resets, mobile deposit, alerts, digital access, or technical support, call 1-800-790-9130. You can also use secure messaging within M&T Online Banking for account-specific questions.

Mortgage Support

For M&T mortgage servicing, payments, escrow, payoff requests, mortgage transfer questions, insurance claims, tax bills, or mortgage account issues, call 1-800-724-2224. Have your mortgage account number, property address, payment history, escrow documents, insurance information, and correspondence ready.

Home Equity and Personal Loans

For home equity applications, call 1-800-724-3222. For HELOC customer service, call 1-800-724-6444. For personal loans, auto loans, installment loans, marine and recreation loans, unsecured loans, or cash-secured loans, M&T lists 1-877-686-8424.

Business Banking

For M&T business banking account questions, business debit cards, business online banking, business payments, and account service, call 1-800-724-6070. Business customers should have the business name, account number, authorized signer information, and online banking profile details ready.

Commercial Cards and Treasury Management

For commercial card servicing, call 1-800-443-8671, option 4. For treasury management, ACH, direct deposit, merchant-service routing, or business cash-management support, call 1-800-724-2240.

Accessibility and Relay Support

M&T says the Telephone Banking Center at 1-800-724-2440 is available to hearing-impaired customers through relay service. M&T also says customers can request alternate document formats, such as large print, audio, braille, or tactile materials, and may request sign language interpreters.

What to Have Ready Before Contacting M&T Bank

M&T account number or last four digits of the affected account
Debit card, credit card, mortgage, loan, or business account information

Online banking username or case number, if available
Transaction date, amount, merchant name, and description
Branch or ATM location, if the issue happened in person
Payment confirmation, check image, deposit receipt, or statement
Mortgage, HELOC, loan, or escrow documents, if applicable
Fraud claim number, dispute number, police report, or identity theft report, if applicable
Suspicious email, text message, phone number, or website address, if applicable

Names, dates, and times of prior M&T contacts
Your requested resolution, such as refund review, card replacement, dispute update, fraud investigation, account unlock, fee reversal, mortgage correction, payment research, or written explanation

Common M&T Bank Customer Service Issues

M&T Bank customers may contact support for help with:

Customer service phone number questions
Checking or savings account issues
Debit card or credit card problems
Fraud, unauthorized activity, or identity theft
Suspicious emails, text messages, or calls
Online banking or mobile app login problems
Bill Pay, mobile deposit, or transfer issues
Branch or ATM complaints
Mortgage servicing, escrow, or payment issues
Home equity and personal loan support
Auto loan or installment loan questions
Business banking account problems
Commercial card or treasury management issues
Fees, overdrafts, deposits, or account restrictions
Complaint escalation

M&T Bank Customer Reviews and Complaints on CSN

CustomerServiceNumbers.com currently has zero live reviews for M&T Bank. Because there are no live CSN reviews yet, there is not enough customer feedback on this page to summarize an M&T Bank customer-service trend.

If you have contacted M&T Bank about the customer service phone number, fraud, online banking, mobile banking, debit cards, credit cards, mortgages, business banking, branch service, fees, loans, or a complaint, you can leave a review below to help other customers understand what worked and what did not.

M&T Bank Fraud and Account Safety Tips

Call 1-800-724-2440 immediately if you suspect fraud on an M&T account.
Forward suspicious emails that appear to be from M&T to phishing@mtb.com.
Forward suspicious text messages to 7726, which spells SPAM.
Do not share your online banking password, one-time passcode, PIN, full account number, or Social Security number with someone who contacts you unexpectedly.

Be cautious of fake bank texts warning that your account is locked or hacked.
Do not click links or open attachments in suspicious emails or text messages.
Use MTB.com, the M&T mobile app, secure online banking, or official M&T phone numbers when managing your account.

If you gave information to a scammer, contact M&T, your card issuer, and any affected financial institution immediately.

M&T Bank Dispute and Fraud Claim Tips

Report suspicious or unauthorized activity as soon as you notice it.
Write down the date, time, merchant name, amount, and account involved.

Save receipts, screenshots, emails, text messages, and merchant communications.
Ask M&T for a fraud claim number or dispute case number.
Check whether a provisional credit, investigation timeline, replacement card, or affidavit is required.
If checks were involved, keep check images and file a police report if appropriate.

Monitor your account after reporting fraud to confirm no additional unauthorized activity appears.

M&T Bank Mortgage and Loan Complaint Tips

Keep copies of mortgage statements, escrow notices, tax bills, insurance documents, and payment confirmations.
For mortgage questions, call 1-800-724-2224.
For HELOC customer service, call 1-800-724-6444.
For personal loans, auto loans, installment loans, marine loans, or recreation loans, call 1-877-686-8424.

Ask whether the issue belongs to loan servicing, escrow, payoff, insurance claims, payment processing, or account research.
If you believe there is a loan servicing error, send a written request using the correct M&T mailing address and keep proof of mailing.

How to Escalate an M&T Bank Complaint

Start with the M&T Bank customer service phone number or department that matches your issue.

For fraud or suspicious activity, call 1-800-724-2440 immediately.
Ask for a case number, dispute number, fraud claim number, or written confirmation.
Use secure online banking messages for account-specific follow-up when possible.
For credit card, mortgage, HELOC, loan, or business banking issues, contact the department assigned to that product.

For branch or ATM complaints, document the location, date, time, transaction, receipt, and employee or manager contacts.
If the issue remains unresolved, ask M&T for its formal complaint or escalation process.
If a banking issue is still unresolved, consumers may consider filing a complaint with the Consumer Financial Protection Bureau, the Federal Reserve Consumer Help program, or the New York State Department of Financial Services depending on the issue and account type.

M&T Bank Compared with Other Banks

M&T Bank competes with regional and national banks such as Truist, KeyBank, Wells Fargo, Citizens Bank, PNC Bank, TD Bank, Chase, Bank of America, Capital One, and regional credit unions. Customers often compare banks based on customer service phone number access, fraud response, online banking reliability, branch service, fees, mortgage servicing, business banking, credit card support, and complaint resolution.

Related Customer Service and Consumer Resources

Frequently Asked Questions About M&T Bank Customer Service

What is the M&T Bank customer service phone number?

The main M&T Bank customer service phone number is 1-800-724-2440. M&T lists general service as available 24 hours a day, 7 days a week.

What is the M&T Bank fraud phone number?

If you believe you have been a victim of fraud related to an M&T account, call 1-800-724-2440 immediately. M&T lists this fraud support path as available 24/7.

What is the M&T Bank online banking customer service phone number?

For online and mobile banking support, call 1-800-790-9130. M&T lists online and mobile banking support hours as Monday-Friday, 8:00 a.m. to 9:00 p.m. Eastern Time, and Saturday-Sunday, 9:00 a.m. to 5:00 p.m. Eastern Time.

What is the M&T Bank credit card customer service phone number?

For M&T credit card inquiries, call 1-866-279-0888.

What is the M&T Bank mortgage customer service phone number?

For M&T mortgage inquiries, call 1-800-724-2224. M&T lists mortgage support hours as Monday-Friday, 8:30 a.m. to 9:00 p.m. Eastern Time.

What is the M&T Bank business banking customer service phone number?

For M&T business banking inquiries, call 1-800-724-6070. For treasury management and ACH/direct deposit support, call 1-800-724-2240.

Where do I send suspicious emails claiming to be from M&T Bank?

Forward suspicious emails that appear to be from M&T Bank to phishing@mtb.com. Do not click suspicious links or open unexpected attachments.

What is M&T Bank’s corporate office phone number?

M&T Bank Corporation lists its principal executive office phone as 1-716-635-4000. This is not the best number for routine customer service, fraud, cards, online banking, mortgage, or business banking support.

Where is M&T Bank headquartered?

M&T Bank Corporation’s principal executive office is located at One M&T Plaza, Buffalo, NY 14203.

Where can I complain if M&T Bank does not resolve my issue?

Start by escalating directly with M&T and keeping written records. If the issue remains unresolved, consumers may consider filing a complaint with the Consumer Financial Protection Bureau, Federal Reserve Consumer Help, or the New York State Department of Financial Services depending on the issue and account type.

Is CustomerServiceNumbers.com affiliated with M&T Bank?

No. CustomerServiceNumbers.com is not affiliated with M&T Bank, M&T Bank Corporation, Manufacturers and Traders Trust Company, Wilmington Trust, the CFPB, the Federal Reserve, or any related organization. This page provides customer service contact information, complaint guidance, and a place for consumers to share their own experiences.

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has provided customer service contact information, complaint resources, and customer review pages since 2004. This page is designed to help M&T Bank customers find the correct customer service phone number and support path for fraud, online banking, cards, mortgages, business banking, loans, and complaints.

Share Your M&T Bank Customer Service Experience

Have you contacted M&T Bank about the customer service phone number, fraud, online banking, mobile banking, debit cards, credit cards, mortgage servicing, business banking, branch service, fees, loans, or a complaint? Share your experience below to help other customers know what to expect.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with M&T Bank, M&T Bank Corporation, Manufacturers and Traders Trust Company, Wilmington Trust, the CFPB, the Federal Reserve, or any related organization. Contact information and links are provided for consumer convenience and may change over time. Customer reviews and complaints are submitted by users and reflect their own experiences. This page is not financial, legal, tax, mortgage, investment, or fraud-recovery advice.

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