M&T Bank: History, Branches, Services, and Key Facts

The green M&T Bank sign is a familiar sight across the Northeast, but the bank’s climb to the top 11 U.S. commercial banks by assets came with significant regulatory growing pains. Here’s a data-driven look at M&T’s history, branch network, and the compliance challenges it now faces.

Founded: 1856 ·
Headquarters: Buffalo, New York ·
Total branches: 940+ ·
States with branches: 12 states and Washington D.C. ·
U.S. rank by assets: Top 11 among commercial banks ·
Trustpilot score: 1.5 / 5

Taken together, these four buckets show a bank with a solid institutional history but active uncertainties around its compliance health and customer experience metrics.

What does m and t bank stand for?

What is the full name of M&T Bank?

M&T Bank stands for Manufacturers and Traders Trust Company, the bank’s original legal name from its founding in 1856. The bank operates as M&T Bank Corporation, a publicly traded holding company (Wikipedia – M&T Bank). The shortened “M&T” has become the dominant brand, but the full corporate name remains Manufacturers and Traders Trust Company.

Is M&T a big bank?

How does M&T Bank rank among U.S. banks?

M&T Bank ranks as the 11th largest commercial bank in the United States by assets, as of 2023 (Wikipedia – List of largest banks). With approximately $200 billion in total assets, it sits comfortably among the country’s top-tier regional banks.

How many branches does M&T Bank have?

The bank operates over 940 branches across 12 states and Washington, D.C., with a particularly dense presence in New York, Maryland, and New Jersey (M&T Bank Contact Page). The SEC 2024 annual report confirms offices in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Massachusetts, Maine, Vermont, New Hampshire, Virginia, West Virginia, and Washington, D.C.

The implication is that M&T Bank is a major player in the Northeast corridor, but its national footprint is limited compared to giants like JPMorgan Chase or Bank of America.

Who is M&T bank affiliated with?

What is another name for M&T Bank?

M&T Bank is also known as M&T Bank Corporation (stock ticker: MTB). Its legal name for regulatory and legacy purposes is Manufacturers and Traders Trust Company.

Who did M&T bank merge with?

M&T Bank has executed two significant acquisitions:

• Hudson City Bancorp (2015): Expanded the bank’s presence into New Jersey and contiguous states (Wikipedia – M&T Bank).
• People’s United (2022): Acquired on April 1, 2022, bringing commercial banking, retail banking, and wealth management services across Connecticut, southeastern New York, Massachusetts, Vermont, New Hampshire, and Maine (M&T Bank 2023 Annual Report).

Is M&T bank only on the east coast?

What states have M&T Bank branches?

M&T Bank’s branch network is concentrated on the East Coast, but it is not exclusively there. The SEC 2024 annual report lists banking offices in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Massachusetts, Maine, Vermont, New Hampshire, Virginia, West Virginia, and Washington, D.C. — plus a full-service commercial banking office in Ontario, Canada.

The bank also has a limited presence in Florida and California, primarily through commercial lending and wealth management services, though these are not full-service retail branches.

The catch: If you live west of the Mississippi, you’ll likely need to rely on M&T’s online and mobile banking for day-to-day transactions.

Is M&T bank doing well?

What is M&T Bank’s financial performance?

M&T Bank has reported steady asset growth, reaching approximately $200 billion in assets by 2023. Its 2023 annual report highlights consistent profitability and a strong capital position. However, in 2022 the bank entered a consent order with the Office of the Comptroller of the Currency (OCC) over deficiencies in its Bank Secrecy Act/Anti-Money Laundering (BSA/AML) compliance program, as disclosed in the same annual report.

What do customer reviews say?

Customer sentiment is mixed. On Trustpilot, M&T Bank holds a score of 1.5 out of 5 based on approximately 280 reviews, with common complaints about customer service wait times and mobile app glitches.

For investors and customers, the key question is whether M&T can maintain its growth trajectory while addressing the regulatory gaps flagged by the OCC.

How do I access M&T Bank services?

M&T Bank login

To log in to online banking, go to mtb.com/log-in and enter your User ID and Password. For first-time login, follow the enrollment steps on the page.

M&T Bank mobile banking

Download the M&T Mobile Banking app from the Google Play Store or the Apple App Store. The app supports check deposit, bill pay, and account management. For mobile banking support, call 1-800-790-9130 (Google Play listing).

M&T Bank customer service phone number

• General banking: 1-800-724-2440 – 24/7 (M&T Bank Contact Page)
• Online/mobile banking support: 1-800-790-9130 (M&T Bank FAQs)
• Commercial financial services: 800-724-7788 (option 1) – Mon-Fri 9AM–6PM ET (M&T Financial Services)
• Security incident hotline: 866-578-7011 (M&T Financial Services)
• AlwaysChecking support: (855) 223-4412 – 24/7 (AlwaysChecking Contact)

M&T Bank near me

Use the M&T Bank branch locator to find branches and ATMs near your location. Branch hours vary by location; most are open Monday through Friday and Saturday mornings.

How to log in to M&T Bank mobile banking – step by step

1. Download the M&T Mobile Banking app from your device’s app store.
2. Open the app and tap “Log In”.
3. Enter your Online Banking User ID and Password.
4. If this is your first login, you will be prompted to set up biometric authentication (fingerprint or face ID) and agree to terms.
5. After login, you can view accounts, pay bills, deposit checks, and transfer money.
6. For login issues, call 1-800-790-9130 (Google Play – M&T Mobile Banking).

M&T Bank timeline

• 1856: Founded as Manufacturers and Traders Trust Company in Buffalo, NY (Wikipedia).
• 2015: Merged with Hudson City Bancorp, entering New Jersey and strengthening Mid-Atlantic presence (Wikipedia).
• 2022: Acquired People’s United; also entered OCC consent order over BSA/AML deficiencies (M&T Bank 2023 Annual Report).
• 2023: Ranked top 11 U.S. commercial bank by assets (Wikipedia – Largest banks).

“Customers can get personalized assistance online, by phone, or at a local branch.”

– M&T Bank Help Center

“The company offers a broad range of financial services to consumers, businesses, professional clients, governmental entities, and financial institutions.”

– M&T Bank 2024 Annual Report (SEC)

M&T Bank’s story is one of steady regional growth tempered by regulatory challenges. For customers in the Northeast, the bank remains a reliable choice with a deep branch network. For those seeking a nationwide digital-first bank, the trade-off between local convenience and broader functionality is clear: M&T is a strong regional player, not a national one. The bank’s management faces the task of addressing compliance gaps while maintaining profitability.

Frequently asked questions