I can not belive how M&T bank can charge insufficient charge before the charge is actually posted. I go into the one local branch and the customer service tellers are nasty, rude and talk to you as if you own them more money just because. when i ask for them to explain how on black in white its show the money is in the account but they still charged me two 37.oo charges while my account still shows positive. How, why, and the response i get is " well the way the system posted it it show negitive even though it's still shows postive. Does this make any sense. The way the system works sucks and i wish we would all band together and tell all banks to go and shove their NSF where the sun don't shine!!! us working class don't have NSF to share with greedy banks.