M&T Customer Service Hours — Complete Professional Guide

Overview: What “Customer Service Hours” Means for M&T Customers

Customer service at M&T Bank encompasses multiple channels: in-branch tellers and bankers, telephone contact centers, secure online & mobile channels, and 24/7 automated systems (ATMs, card controls, account alerts). Each channel has different hours and service scope. Understanding those differences will save time and ensure you contact the correct team for routine transactions, dispute resolution, fraud, or business banking needs.

Always verify the hours for the specific service you need: branch hours are set locally and vary by market, while phone and digital support have centrally published schedules that may change for holidays or emergency events. The authoritative source is M&T’s official site (https://www.mtb.com) and the branch locator at https://www.mtb.com/locations.

Branch Hours: Typical Patterns and How to Find Exact Times

Typical M&T branch schedules (common across many U.S. markets) are Monday–Friday, roughly 9:00 AM to 5:00 PM local time. Many suburban and business-center branches extend weekday service to 6:00 PM or later to accommodate working customers. Saturday hours are frequently limited—commonly 9:00 AM to 12:00 PM or closed—and Sunday branch service is generally not available. These are general patterns; individual branches set their hours based on local demand.

To find the precise hours for a specific branch, use the Branch & ATM Locator (https://www.mtb.com/locations) and enter your ZIP code or address. The locator shows full weekday and weekend hours, holiday closures, and whether a branch offers expanded services (small business banking, safe deposit boxes, notary, or wealth-management appointments). If you need after-hours in-person help, ask your branch about appointment availability—many locations offer scheduled evening appointments for business and wealth clients.

Phone & Contact Center Hours: Where to Call and When

M&T’s centralized telephone support handles account inquiries, routing to specialty teams (mortgage, business banking, fraud), and automated services. For routine retail questions—balances, transfers, branch scheduling—phone support is typically available during extended weekday hours with limited weekend coverage. For urgent issues (card loss, suspected fraud), M&T provides dedicated hotlines or prompts in their automated system that connect you immediately; these emergency lines are staffed 24/7.

Before calling, determine whether your question requires a specialist (mortgage, commercial lending, wealth management). Specialist teams often operate standard business hours (Mon–Fri). Use the M&T website contact page or your online banking message center to obtain the correct direct line; this reduces transfers and wait time. For time-sensitive matters, using the mobile app’s secure messaging or the “report a lost/stolen card” function often triggers the fastest response and immediate card controls.

Key Numbers, Address & Official Links

• Official website and branch locator: https://www.mtb.com and https://www.mtb.com/locations
• Headquarters (corporate address): One M&T Plaza, Buffalo, NY 14203
• Main customer service phone: 1‑800‑724‑2440 (verify current numbers on mtb.com before calling)
• Mobile app & online banking: available 24/7 for transactions, alerts, and secure messages; sign in at https://www.mtb.com

After-Hours, Emergencies and 24/7 Digital Access

ATMs, online banking, and the M&T mobile app operate 24 hours a day, 7 days a week for transactions such as transfers, bill pay, deposits (remote check capture), and viewing statements. These channels are your fastest route for standard account tasks outside of branch hours. For automation-friendly needs—balance checks, recent payments, scheduled transfers—use the app first to avoid phone waits.

For emergency events (compromised account, lost/stolen card, suspected fraud), the bank’s fraud-resolution and card-control teams are accessible around the clock. If you suspect unauthorized activity, immediately use the app to lock the card and call the emergency number listed in the app or on the back of your card. If you cannot access the app, use M&T’s main customer service number and follow prompts for “Report a lost/stolen card” or “Fraud.”

Holiday Schedules and Planned Closures

M&T observes standard U.S. banking holidays (New Year’s Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus/Indigenous Peoples’ Day, Veterans Day, Thanksgiving, Christmas). On bank holidays, branches are closed; however, digital services and ATMs remain operational. Plan large transactions (wire transfers, cash withdrawals) before a holiday—wire cutoff times and branch processing windows can differ and often require actions at least one business day earlier.

For mergers, severe weather, or system maintenance, M&T issues notifications via email alerts, website banners, and mobile-app messages. If you rely on time-sensitive services (mortgage closings, escrow disbursements), confirm scheduling directly with your loan officer and request written confirmation of deadlines, especially around holiday periods and month-end processing dates.

How to Prepare Before You Call or Visit

• Document checklist: account number, full name as on the account, recent transaction amounts/dates (last 3 entries), and a government ID when visiting a branch.
• Use secure channels: sign into the M&T mobile app or online banking and check secure messages first; attach screenshots or download statements to expedite resolution.
• If calling, choose non-peak times: weekdays between 9:30 AM–11:30 AM or 2:00 PM–4:00 PM local time often have shorter wait times than early morning, lunchtime, or after-work hours.

Practical Tips for Faster Resolutions

Be explicit about your desired outcome (refund, dispute, transfer, appointment) at the start of the interaction and ask the representative to explain next steps, expected timelines (e.g., ACH reversal in 3–5 business days), and any reference numbers. Request a case or ticket number for follow-up and record the representative’s name and the time of call.

For recurring issues or complex commercial matters, escalate by requesting a specialist or an appointment with a branch manager or relationship officer. M&T maintains escalation protocols; asking for a manager or a referral to a dedicated specialist is standard when needed. Keep copies of all written correspondence and confirm any promises in writing via the secure message center or email.

Is telephone banking 24 hours?

Bank whenever you want, wherever you are
Stay on top of your everyday banking with our secure 24/7 automated telephone service.

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

1-800-790-9130
If further assistance is needed – call Online and Mobile Banking Customer Service at 1-800-790-9130, Monday–Friday, 8am–9pm ET and Saturday–Sunday, 9am–5pm ET.

Is M&T open on Saturdays?

M&T Bank Hours on Normal Days
M&T Bank hours for branches are typically Monday through Friday from either 9 a.m. to 5 p.m. or 9 a.m. to 6 p.m.

What is the phone number for go to bank 24 hour customer service?

You can also report your card lost or stolen by calling Customer Support at (855) 459-1334.

Do banks have 24 hour customer service?

Customer service hours vary among banks, with many only offering the ability to speak with a representative during business hours. If you prefer wider access to customer service, you might want a bank that allows you to communicate with a live person anytime.

Does M&T bank have 24 hour customer service?

If you believe you have been a victim of fraud related to your M&T accounts, notify us immediately at 1-800-724-2440 (24 hours a day, 7 days a week), so we can take action to help you.