M&T never has more than one teller working. A trip to the bank will take 40 minutes on a good day. They are pretty good at customer service if you're there to deposit 150K, but then they forget who you are. Also, I write checks though the M&T bill pay system. These checks need to get to the people who I owe money to, but they only do about 40% of the time. These people work for me and have to call me when the check never shows up. I rewrite the check and that one, again, NEVER shows up. So then I meet the vendor at the bank and give them a bank check as they stand there. And that costs me $10 every time! I use the Wells Fargo bill pay system and the checks show up 4 days later like clockwork. I don't like Wells Fargo bc their crimes are usually inside jobs, but at least I'm not humiliated or scrambling to get my guys paid because of incompetence. My best guess is M&T are deducting the funds for the checks from my account and holding them until they expire, or I cancel them. This done to thousands of checks every day will add up to a lot of interested not paid, as well as interest earned. They don't know it yet, but I'm taking my business elsewhere on or around 9/1/26. It is not USPS, as they claim. Far too many lost in the mail issues with M&T... only with M&T
Recommendation: Find a different bank