Leave a Review M&T Mobile Banking
App is Causing Me to Want to Switch Banks
I have had an M&T checking account for 20 years. It was the first account I ever opened and I started using the app at whatever point it became available. I’ve always been able to use it no problem up until recently. When the app works - it’s fine. You can do mobile deposit, check your balances, make transfers, even use Zelle.
However, more often than not, I have the WORST logging on to the app. It ALWAYS says mobile banking is down. Oddly, the only workaround I’ve found besides uninstalling and reinstalling the app, is asking my friends that also have M&T accounts to login and logout if they’re able. For some odd reason, I’m usually able to log in after that. But it’s so annoying that 9 times out of 10 when I try to open the app, it always says it down. And I’ve probably been using this app for at least a decade without any issues at all. I’m so frustrated at this that I’m considering switching banks. I don’t know what happened in the last year with the app but something needs to be fixed, updated, refreshed - SOMETHING.Show lessarickey1738
The app is down half the time
Half the time I try to sign into the app it comes up as app is currently down for maintenance or something similar. It's extremely frustrating. I'm not even over exaggerating. 3 pm on a Tuesday? App down. 2 am on a Thursday? App down. 7 pm on a Saturday? App down. Also in regards to their banking. Their fraud detections REALLY needs some work. Half my transactions with fully legitimate companies get flagged got fraud. Same with basic subscriptions. The funny thing is. The one time fraud detection didn't work is when it was actually fraud. A random sam's club purchase at 3 AM!! I've never used sam's club in my history of banking with them. Yet that went though. I try to call to verify MY TRANSACTIONS with MY MONEY... They ask me 30 questions to prove it's me... I give them PERFECTLY accurate answers. They say sorry we can't process your transaction. There's a reason centralized banks will go extinct and this is it. It's MY MONEY!!!! why can't I USE IT? NEVER USE THIS BANK. Absolutely horrible.Show lessanon5725
It's 2024... Fix your broken app!
I've been banking with M&T BANK since they took over Provident Bank, so at least 15+ years... everything was great until a couple of years ago when the app started not working every time. Fast-forward two years, now the app only works 1 out of 10-20 times depending on the day. This is incredibly frustrating considering that when the app doesn't work the website also does not work. "We're sorry. Mobile banking is unavailable at this time," is only acceptable occasionally, Not As The Norm!!! This leaves me with no access to my money besides driving to a physical branch. No transfers, no deposits, no Zelle, nothing!!!
I have banking apps for numerous other banks and all of them work every single time I open the app. I don't know what is going on at M&T bank, however if this is not fixed within the next two months, I'm moving all of my money to another bank that uses technology that actually works.
Dear M&T Bank, It's 2024… you make tons of money so PLEASE fix your app!!!! This is truly & absolutely ridiculous *sigh*Show lessmae_belle_77
Developer Response
Hello mae_belle_77, Sorry to hear you are experiencing difficulties. We recommend calling our Online Team at 1-800-790-9130 so they can troubleshoot your concerns. Please ensure you are using the last 2 OS versions & the most recent update is installed on the device. If after speaking to our Online Team, you need further assistance, email carecenter@mtb.com, include your full name, phone number, screenshots of errors and mention this review. We'd be happy to reach out. -Candi B.Mobile Banking Unavailable
Since M&T bought out People’s bank, the app has been buggy and inconsistent. I get an error message that says Mobile Banking Unavailable. I used to get this every once in a while before, but now it is at least half of the time when I try to log in. That is my review of the app. I will also say, that I use a third party for managing finances because most banks don’t have one integrated (Digit, Opportun, etc). I have noticed that since the acquisition of People’s by M&T, it takes much longer for funds to transfer back to my bank account. Where it used to take a day or two, it now takes several days to a week. It makes it much more difficult to manage and know when I will actually have access to my funds. Other than that, the app and the bank are both ok. Nothing terrible, nothing to write home about. Just average.Show lessAraswhiterose
Developer Response
Hello Araswhiterose, We appreciate your feedback regarding the mobile app and will share your comments with the appropriate area. If you continue to experience difficulties with the mobile app/Online site, we encourage you to call our Online Team at 1-800-790-9130, so they can troubleshoot further. -Candi B.I have been with M&T for over 40 years
I live in Central NY and have done hundreds of thousands of dollars worth of business with M&T Bank. It seems like things really went south for them is when they acquired The People’s Bank a few months back. Now all I have is trouble !! I have always loved my M&T Bank but I am seriously considering moving my Money to another bank. I get you want security, believe me, so do I !! But I log onto my account several times a day, I have used the online app for years without trouble.. now it’s constantly giving me trouble logging on. I know I should be grateful for keeping my money safe, and I sincerely appreciate you for that. . . But as I am going through all my security questions and personal numbers, I wonder if you are the scammer and I am giving away all my personal information to the wrong people.. tell me this really IS M&T trying to protect me..Show lessmrsg7
Developer Response
Hello mrsg7, We apologize for any inconvenience you may be experiencing when logging into your Online/Mobile Banking. We recommend calling our Online Team at 1-800-790-9130, and they can review your account activity with you. If after speaking to them you need further assistance, email carecenter@mtb.com include your full name, phone number and any screen shots of errors, if able. -Candi B.Mobile banking is a joke. Doesn’t allow you to deposit checks.
I am completely disgusted with M&T at this point. I got no resolution after trying all day to mobile deposit a check. I called the branch I have my account with, I called the mobile banking help number with the outcome being told sorry, you’ll just have to go to your bank and it must be the app. I am out of state! There is no M&T anywhere near here. It’s state away. I came here to work while my husband has cancer and is unable to do so. I can’t even deposit a check to pay our mortgage which is unfortunately with M&T as well. The app frequently says mobile banking is unavailable so be prepared to be inconvenienced and unable to access your account information where YOUR MONEY is being held. Don’t have your mortgage with them either. After never even making a late payment for almost 20 years, they’ll tell you that you can’t defer a payment to the end of your loan when your husband is laid off for the first time in his entire life during cancer treatment. They offered it to people with Covid, but nothing for my husband battling cancer despite our payment history. I am sick and tired of their app not working properly costing me time, stress, and money. Steer clear of them.Show less7C's+1
Developer Response
Hello, We apologize for your experience. Please ensure you are using the last 2 OS versions & the most recent update is installed on the device. To further troubleshoot, please call Online Banking @ 1-800-790-9130. For additional assistance, email carecenter@mtb.com include your name and phone number, and we'd be happy to reach out. -Stephanie D.Personal & Business
I like how I can easily log into my personal account with Face I.D through mobile app but I also have a business account with M&T and I need the convenience to make checks deposits on mobile. I try logging in with my business account and it won’t recognize it but when I do on desk top it goes in fine. Also tried using another M&T commercial App for businesses and same deal. I google where I can do this and it leads me to the personal M&T app/business very inconvenient. My Face ID is already set for personal and I have to log it off to try to sign in through business for nothing still won’t work.. M&T separate the personal from business it doesn’t make sense… or let us sign in and choose which account to go into during the log in process, personal or business..
Either it wasn’t thought of or I’m doing something wrong but it’s annoying. I hate having to go to banks to deposit for business.Show less1udreamof
Developer Response
Hello, We apologize for your experience. For mobile app troubleshooting, please call our Online Team at 1-800-790-9130. If additional assistance is needed, email carecenter@mtb.com include your name & phone number. We'd be happy to reach out. -Stephanie D.Fix Push Notifications & Account Security
As others have pointed out in previous reviews the push notifications for this app have not been working for months now. M&T customer support is oblivious to the problem or chooses not to acknowledge it. It is not an iOS software issue so Apple is not to blame. Do not have an overworked intern come along and suggest we check our iOS version/update the app/clear cache/make sure notifications are enabled etc. Banks are notorious for not only terrible app functionality but also terrible account security. It’s 2023 and the fact SMS is even still an option for 2FA is absurd. You also offer the choice of “push” or “email” but since push notifications do not work and not everyone wants 2FA codes filling their inbox, consider allowing your customers to use third party 2FA apps such as Google Authenticator or Authy that support TOTP. Both of these issues require your software engineers to roll up their sleeves and get to work, so less idle chit-chat responses here in the App Store and more coding over there at HQ.Show lessNSO Group
Developer Response
Hello, Thank you for your feedback. We are constantly working to improve the customer experience. For further assistance with Online/Mobile banking concerns, please call our Online Team at 1-800-790-9130. -Candi B.Backwards
I tried to login with Face ID and password but got locked out. When I called support for help they told me I was not giving them the correct email which they were wrong about, why would I do that if I am trying to get back into my accounts. I spoke to two different people and it got worse. I couldn’t use my accounts for two days until I went in to the office, even in person I was showing the person my emails from them and the email they said wasn’t correct. They still kept saying I was wrong and they updated the email I still can’t get into my accounts so what end up happening was I can login in using my id and password from year 2000, and no Face ID. So we went back twenty something years they still gave no apology so soon as I get my automatic payments changed I won’t be using them again. Sadly we gotta get used to this cuz nothing is going back to when things were better.Show lessMrchristian88
This needs to be corrected – currently it’s almost impossible to use
Several years ago, I used this app a number of times, and it was easy to use. I had no problems. However, a year or so ago it was impossible to use because the way it handles my camera made it impossible for me to have pictures taken of my check. I checked with Apple, and it is not the fault of my camera. I went to my branch of M and T, and they claimed that it was no fault of theirs. It is. Currently, if I spend a great deal of time and take the photograph myself, sometimes I am able to do the remote deposit, but it’s extremely difficult and the whole thing is really lousy. It needs to be corrected. It’s such a pity, because when I first used it, it was a dream.Show lessDamnably annoyed
Developer Response
Good Morning, We apologize for any inconvenience you may be experiencing using the mobile app. The mobile app is compatible using the last 2 recent OS versions. Please ensure you have the most recent mobile app installed in your device. For additional assistance, please call our Online Team at 1-800-790-9130. If after speaking to them you need further assistance, email carecenter@mtb.com include your name and phone number and a screen shot of this conversation. We'd be happy to reach out. -Candi B.
