M&T Customer Service Phone: Complete, Practical Guide

Overview and key contact points

M&T Bank (founded 1856) operates a comprehensive customer service phone network for retail, business, mortgage, credit card and fraud issues. The official website for up-to-date, authoritative contact information is https://www.mtb.com. The corporate headquarters is One M&T Plaza, Buffalo, NY 14203 — useful when you need to escalate to corporate or send documentation by mail.

Phone routing, hours and specialized lines change periodically, so always verify numbers on mtb.com or on the back of your debit/credit card before calling. Below are the commonly used phone lines and their primary purposes (verify current digits on the website before dialing):

• Main customer service (general banking and online/mobile questions): 1-800-724-2440 — start here for account help, balance disputes, and online access problems.
• Lost or stolen debit cards (24/7 emergency reporting): call the number on the back of your card; if you cannot, use the bank’s reported emergency line — verify on mtb.com for the current 24-hour fraud reporting number.
• Credit card customer service (billing disputes, rewards, credit limits): use the credit card number listed on your statement or the credit card phone line published by M&T on mtb.com.
• Business banking and treasury services: dedicated business lines are available and posted on the business section of mtb.com; larger corporate clients often have relationship managers with direct numbers.

How to prepare before calling

Calling customer service is faster and more effective when you come prepared. Have the following at hand: primary account number (or last 4 digits of account or card), full legal name on the account, date of birth, address on file, and any recent transaction details you are calling about (date, amount, merchant name). Also prepare a secure form of ID if you need to visit a branch after the call.

For fraud or lost/stolen card calls, freeze or lock the card in the mobile app first (if available) and note the exact time you discovered the issue. If you are calling from outside the U.S., confirm international dialing instructions on mtb.com; some emergency numbers accept collect calls or have +1 access numbers for overseas callers.

IVR, wait times, and how the automated system works

M&T’s interactive voice response (IVR) system routes callers to the correct department using account numbers or menu choices. Typical menu flow requests: account number, the last 4 digits of a SSN, press 1 for lost/stolen card, press 2 for online banking support, etc. Using account numbers when prompted bypasses some verification steps and shortens hold time.

Expect variable hold times: during business hours you may wait 3–15 minutes for routine questions; fraud or lost-card lines are prioritized and often answered within 0–5 minutes. Peak times (Monday mornings, lunch hour, first of month) drive longer waits; consider calling outside peak windows (Tuesdays–Thursdays 9–11 AM local time often faster).

Security, verification, and consent practices

Customer service representatives will always verify identity before discussing account details. Typical verification elements include full name, address, date of birth, Social Security number digits, and answers to security questions. M&T will never ask for your full online banking password or for you to move funds to another bank to “verify” your account — that is a red flag for fraud.

If a caller requests suspicious actions (wiring funds, purchasing gift cards to settle an account issue, or transferring money to a “safe” account), hang up and call the number on the back of your card or mtb.com to confirm. Record the representative’s name, the time of the call, and any reference number provided for future disputes or escalations.

Escalation paths, complaints, and regulatory options

If the frontline representative cannot resolve your issue, ask to escalate to a supervisor and request a callback time and reference number. For unresolved complaints, M&T publishes an escalation path: branch manager → regional management → customer care or a corporate complaints unit (contact details available on mtb.com). Put formal complaints in writing and note dates, times, and names of representatives spoken to.

If you exhaust internal M&T appeals, you may file a complaint with federal regulators: the Consumer Financial Protection Bureau (CFPB) accepts complaints at https://www.consumerfinance.gov/complaint/ or by phone at 1-855-411-2372. For issues involving potential FDIC insurance or bank safety, consult the FDIC at https://www.fdic.gov.

Mobile app, online banking support, and alternative channels

M&T’s mobile app and online banking allow secure messaging, card locks, and transaction disputes without calling. Use secure message when your issue is non-urgent — average response times for secure messages are typically 24–72 hours (verify current SLAs on mtb.com). For urgent fraud reports, phone contact is still the fastest route to immediate card blocking.

Branches remain crucial for some tasks (notarizations, new signature cards, large teller deposits). If an in-person visit is required, check branch hours and the address on mtb.com; many branches require appointments for specialized services and wealth-management meetings.

Practical scripts and checklist for specific calls

• Lost/stolen card script: state “I need to report a lost/stolen debit/credit card” → provide full name, last 4 digits of account or card, date/time discovered, and request an immediate block and replacement card. Ask for the reference number and expected ship date (typical overnight or 5–7 business days depending on expedited delivery options and fee).
• Dispute a transaction: state “I want to dispute a transaction” → provide transaction date, merchant name, amount, and reason (unauthorized, duplicate, incorrect amount). Request a provisional credit timeline (banks commonly provide provisional credits in 7–10 business days while investigating) and a case number.

How do I speak to a live person at M&T bank?

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.

Who is 1 800 269 8463?

For further assistance, please call our Fraud Team at 1-800-269-8463.

What is the number for M&T 24 7?

If you are unable to access Online or Mobile Banking and need to unlock your card, please call M&T Customer Service at 1-800-724-2440 for assistance.

How to dispute a charge on m and t?

An AI Overview is not available for this searchCan’t generate an AI overview right now. Try again later.AI Overview To dispute a charge with M&T Bank, contact the bank’s Telephone Contact Center or visit a branch to report the issue and complete any required forms, such as a Declaration of Forgery for a fraudulent transaction. For credit and debit card disputes, contact the number on your card or statement, as the process and available options depend on the type of transaction.  For Fraudulent Transactions (Checks, etc.): 

1. 1. Notify M&T Immediately: Call the M&T Telephone Contact Center or visit a branch to report check fraud or other fraudulent activity as soon as possible.
2. 2. Visit a Branch: You may be directed to visit an M&T branch to complete the necessary paperwork, such as a Declaration of Forgery.
3. 3. Provide Information: Be ready to share all relevant information with the M&T banker when you meet.
4. 4. Complete Paperwork: Your identity will be verified, and you’ll complete the required forms, including a signed Declaration of Forgery for fraudulent transactions.

For Credit and Debit Card Disputes:

1. 1. Find Your Contact Information: Look for the customer service number on the back of your credit or debit card or on your statement. 
2. 2. Contact Your Bank: Call the provided customer service number to report the transaction and begin the dispute process. 
3. 3. Act Quickly: Be aware of deadlines; for credit cards, you generally have 60 days from when the first statement with the charge was sent to you to dispute it. 
4. 4. Follow Instructions: The bank will guide you through their specific dispute process, which may involve providing details about the transaction. 

AI responses may include mistakes. For financial advice, consult a professional. Learn moreFraud FAQsIn the case of fraudulent charges, acting quickly is critical for a successful resolution. If you’ve detected fraudulent activity …M&T BankBank Security Tips & Best PracticesHow do I report check fraud to M&T? If you believe that you have been a victim of check fraud, please notify M&T as soon as possib…M&T Bank(function(){
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How do I talk to a real person at BankMobile?

An AI Overview is not available for this searchCan’t generate an AI overview right now. Try again later.AI Overview To contact BankMobile (now BM Technologies, Inc. (BMTX)), you can call the number on the back of your BankMobile Vibe card or access their online FAQs for quick answers. You can also reach out via email by logging into your account and clicking the FAQ button, or through their social media on Twitter @AskBMD. For personal loans, email [email protected].  Here’s a more detailed breakdown: 1. By Phone: 

• The number on the back of your BankMobile Vibe card is the best first point of contact for account-related questions, according to BM Technologies, Inc. (BMTX).

2. Online FAQs: 

• BankMobile’s website offers a comprehensive set of FAQs that can address common questions about their services.

3. Email: 

• For account-related issues, log into your account and navigate to the FAQ section for email options, says BM Technologies, Inc. (BMTX).
• For personal loan inquiries, email [email protected].

4. Social Media: 

• BankMobile’s customer support is also available on Twitter at @AskBMD.

5. Mail: 

• You can mail BankMobile at PO Box 278, Maple Shade, NJ 08052.

AI responses may include mistakes. For financial advice, consult a professional. Learn moreContact Us | Customer Care | BMTXBM TechnologiesAccount Holder Support – BankMobile Disbursements – BM TechnologiesIf you are a student with questions about your school’s refund program or your account, you can also call the number on the back o…BankMobile Disbursements(function(){
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Who is 1 800 724 2525?

If you have questions, or need assistance on an account that will be more than 30 days past due, please contact M&T Customer Asset Management at 1-800-724-2525.