Do not open an account with M & T Bank. Yesterday, I deposited a check, and the branch said a 1 day hold. No problem. Woke up today. The money was there. I paid bills, transferred money, and went to store #1. All good. Went to store #2- card declined. Impossible. Tried again, declined. Must be the chip, I'll tap. Declined. Step aside to call the Bank. Turns out they randomly decided it shouldn't have been cleared & put an additional hold on the money until Tuesday. Account overdrawn, and I'm going to have a problem with bills. My husband can't transfer me money, because the overdrawn funds will drain it. Supervisor on the phone, Emily, tells me to go to the Branch because they can overturn it. LIE!!!!!!! Justin at the Coram Branch was a condescending jerk who saw I was angry, and he escalated the situation. First thing Tuesday morning, I'll make sure all fees are reversed AND get my money & close the account!!!! read more