M&T Bank
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 100% of 19 sources are the organization's own pages or government sites.
Get help with (4)
- Dispute with a merchant through the bankReport a debit card error right away by phone or in writing; M&T may give provisional credit in as little as 2 hours or up to 10 business days.
- Unauthorized chargeReport the card lost or stolen at once (24/7 by phone, Online Banking or app); locking the card is not the same as reporting it.
- Fraud or scamCall 1-800-724-2440 (24/7 for fraud) and forward phishing emails to phishing@mtb.com.
- Fee reversalM&T charges at most one $15 overdraft fee per day; check the exceptions, then ask for a reversal.
Contacts (7)
Phone
- M&T Telephone Banking Center (Contact Us); fraud on M&T accounts, transaction errors Account holder only
Hours: Mon-Fri 6am-9pm, Sat-Sun 9am-5pm ET; fraud reporting 24 hours a day, 7 days a week
Use for: Fraud or scam, Unauthorized charge, Dispute with a merchant through the bank, Fee reversal, Account frozen or closed, Identity theft, Poor service or broken promise
Source: mtb.com, verified 2026-10-13
- Report a lost or stolen M&T debit or credit card Account holder only
Hours: 24/7
Use for: Unauthorized charge, Fraud or scam
Source: mtb.com, verified 2026-10-13
- Replace a card (credit card customers) Account holder only
Use for: Unauthorized charge
Source: mtb.com, verified 2026-10-13
- Replace a card (business banking customers) Account holder only
Use for: Unauthorized charge
Source: mtb.com, verified 2026-10-13
- Forward suspicious emails that appear to be from M&T
Use for: Fraud or scam
Source: mtb.com, verified 2026-10-13
Apps
- Report a lost or stolen card in Online Banking or the M&T Mobile App Sign-in requiredOnline Banking > Services Menu > Report a Lost or Stolen Card (app - Card Services > Report a Lost or Stolen Card)
Hours: 24/7
Use for: Unauthorized charge, Fraud or scam
Source: mtb.com, verified 2026-10-13
- Written notice of a debit card transaction errorManufacturers and Traders Trust Company, P.O. Box 767, Buffalo, NY 14240-0767
Use for: Dispute with a merchant through the bank, Unauthorized charge
Source: mtb.com, verified 2026-10-13
Escalation path
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
PhoneM&T Telephone Banking Center (Contact Us); fraud on M&T accounts, transaction errors +1-800-724-2440 Account holder onlyWritten complaint
MailWritten notice of a debit card transaction error Manufacturers and Traders Trust Company, P.O. Box 767, Buffalo, NY 14240-0767For debit card errors. M&T publishes no general complaint address.
Federal regulator
Federal regulator
State agency
Your state’s financial regulator. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).
Known blockers
- Phone lines verify the account holder.
- M&T publishes no general complaint mailing address or online complaint form on the pages checked.
Scam warnings
Official domains
mtb.com
Real links and emails from M&T Bank end in one of these.
M&T Bank will never ask you for
M&T says it would never text you a hyperlink, and that it would not need to ask you for account information by text message.
Source: mtb.com, verified 2026-10-13
M&T says it and other legitimate businesses will never request your personal information unless you started the contact.
Source: mtb.com, verified 2026-10-13
Known scams
Phishing emails that look like M&T ask for account details, for example to award a prize or verify a statement, or ask you to click a link and enter sign-in credentials.
Source: mtb.com, verified 2026-10-13
Work-from-home ads are a common way fraudsters recruit money mules, people who move illegally obtained money for others.
Source: mtb.com, verified 2026-10-13
Report phishing
- Forward suspicious emails that appear to be from M&T
Use for: Fraud or scam
Source: mtb.com, verified 2026-10-13
- Report suspicious calls or emails, a compromised account or identity theft Account holder only
Use for: Fraud or scam, Identity theft
Source: mtb.com, verified 2026-10-13
For the whole industry, read Banks and card issuers — how complaints work.
Verification notes
M&T Bank's bank is Manufacturers and Traders Trust Company, a New York state-chartered bank that is a member of the Federal Reserve System (FDIC BankFind cert 588, regulator FED). On the M&T fraud FAQ page the displayed number 1-800-724-2440 has a tel: link to 1-800-790-9130; use the displayed number.
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