Toll-free · Mon-Fri 8am-9pm, Sat-Sun 9am-5pm EST · Calling this M&T Bank number should go right to a real human being · Help with log in, press 1. Billpay, Zelle, transfer funds, press 2. Mobile or online troubleshooting, press 3. Transaction history or balance, press 4. Mortgage info, press 5. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Press 0, must enter account number. · What can I help you with? Account info, press 1. Lost or stolen card, press 2. Help me log in, press 3. Open a new account, press 4. Branch locations, press 5. Mortgage questions, press 6. · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for M&T Bank below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this M&T Bank phone number to document the phone system.
Here is how our research team describes the way the M&T Bank phone system greets you: What can I help you with? Account info, press 1. Lost or stolen card, press 2. Help me log in, press 3. Open a new account, press 4. Branch locations, press 5. Mortgage questions, press 6.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press 0#
Below are some clips we've found from M&T Bank's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Welcome to M and T Bank.
All calls may be recorded so that we can review and continually improve the experience we deliver to our customers.
We are currently experiencing longer than expected hold times and appreciate your patience.
Please feel free to use our automated system or visit us on the web at m t b dot com to obtain your account information twenty four hours a day.
We appreciate your patience, and thank you for banking with M and T."
Excerpt from a call with M&T Bank
Tuesday, January 16, 2024 5:32 PM
They may ask you to enter information with the dial pad
"Lost or stolen card or press two. Help me Now using your keypad, enter your account number or card number followed by the pound sign."
Excerpt from a call with M&T Bank
Thursday, February 8, 2024 10:01 PM
They may ask you to say or enter information
"Welcome to M and T Bank.
All calls may be recorded so that we can review and continually improve the experience we deliver to our customers.
Now what can I help you with? You can say account information or press one, lost or stolen card, or press two."
Excerpt from a call with M&T Bank
Sunday, June 16, 2024 11:02 PM
The first phone menu
"Welcome to M and T Bank.
All calls may be recorded so that we can review and continually improve the experience we deliver to our customers.
Now what can I help you with? You can say account information or press one, lost or stolen card, or press two.
Help me log in, or press three.
Open new account or press four.
Branch locations, or press five or say mortgage questions or press six, Sorry."
Excerpt from a call with M&T Bank
Sunday, June 16, 2024 11:02 PM
What are the hours and when should I call?
M&T Bank operates the call center for this 800-724-2440 phone number 24 hours, 7 days.The short answer is that you should call on a Monday.This observation and the following section are based on analysis of a sample set of 600 calls made in the last 90 days using our free, web-based phone (see above).
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the M&T Bank call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this M&T Bank phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like M&T Bank staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call M&T Bank is Sunday.The most busy day to call is Friday, which averages 206% more phone calls by comparison.Again, this is based on a sample of 600 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Fri
Busiest
Sat
The shortest wait on hold
We measured the shortest hold times to be on Monday.The longest wait in the queue on average occurs on Thursday.
In summation, the best day to call M&T Bank is Monday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that M&T Bank staffs up on Monday to handle the higher call volume, and that makes it the best time to call.
I'm moving to a new region and one company that my mortgage broker told me to look into was M&T Bank. My broker is not licensed in my new location, but they still gave me some advice and said to talk to them about what they could offer me. I decided to take the advice when I had some free time at lunch and went ahead and called the company. It took me a bit of time to get through the directory and to a real person. It's clear that they prefer people to use their website instead of calling for customer service.
When I called, an automated assistant said, "Welcome to M&T Bank. All calls may be recorded so that we can deliver a better experience to our customers. Now, what can I help you with? For account information, press 1. Lost or stolen card, press 2. Help me log in or press 3. Open a new account, press 4. For branch locations, press 5. Mortgage questions or press 6."
I chose mortgage since that was the obvious answer, and after a brief welcome to the M&T Mortgage department, I had to listen to a disclaimer that M&T is a debt collector. That obviously didn't relate to my situation but there was no way to skip the message. Then finally it said, "To make a payment press 1. For additional options, remain on the line." I stayed on the line, and then it pushed once again for automated services stating, "M&T offers an array of services via their automated service such as making a payment, generating a pay-off letter, and more. Would you like to proceed with M&T’s automated service or talk to a customer service agent?"
I said customer service agent and then I was put on hold. During the hold from time to time, I was once again reminded that I could go online. About ten minutes late though, I was finally able to talk to an agent.
Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.
Why Customers Call M&T Bank
If you have time to do a bit of reading before you call M&T Bank, we recommend you read over some of our problem-specific articles.
To conduct a bank to bank transfer with M&T Bank, you can only do so by visiting your local bank branch. You will need a routing number to do so. There are fees for conducting a wire transfer, whether domestic or international.
Bill Pay allows you to set up automatic payments for bills and consolidates all of your purchases to different businesses into a centralized location. To set up eBills in your M&T Bank account, you need to log in to your bank account and complete the steps provided above. You can set up recurring payments to be processed automatically, and online Bill Pay allows you to keep track of expenses and avoid late fees.
Setting up bill pay with M&T Bank is a simple and effective way to manage your finances. By following these steps, you can easily manage and pay your bills in one convenient location. If you have any problems with your account, you can contact M&T Bank customer service.
Click the link above to get answers to just about any M&T Bank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to M&T Bank, and their purpose. Are any of these similar to the reason you are trying to call?
Payment issues: "My debit card payments are not going through properly."
- From a call lasting 32s , Jul 22, 2024 12:21 PM
Seeking account information: "I don't have it. Can I speak to someone?"
- From a call lasting 1m 55s , Jul 12, 2024 1:58 AM
Mortgage inquiry: "I need to find out what my mortgage payment is right now."
- From a call lasting 13m 6s , Jul 8, 2024 5:37 PM
Mortgage payment: "I need to make a mortgage payment."
- From a call lasting 2m 52s , Jun 26, 2024 4:06 PM
Account blocked for transactions: "Just calling because yesterday, I tried to do some transactions and they don't let me do it because my account is blocked."
- From a call lasting 14m 53s , Jun 23, 2024 3:45 PM
Seeking information: "I'm interested in learning more about your savings account options."
- From a call lasting 4m 36s , Jun 23, 2024 1:21 AM
Account closure and charges: "The manager knew this account should have been closed, but she couldn't do it the same day."
- From a call lasting 43m 55s , Jun 21, 2024 7:58 PM
Need account help: "I don't have the account on the Hand Aid Give me a customer service representative."
- From a call lasting 2m 34s , Jun 21, 2024 7:55 PM
More M&T Bank Customer Service Contacts
There are of course other ways to contact M&T Bank customer service besides the phone. Below we list the best ones, by medium.
Use this link to find customer service help through their website
As a last, sometimes only, resort- M&T Bank customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is M&T Bank's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a M&T Bank agent. This phone number is M&T Bank's best phone number because 15,120 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-724-2440 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call M&T Bank first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, M&T Bank has 3 phone numbers. It's not always clear what is the best way to talk to M&T Bank representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for M&T Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like M&T Bank. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
