TLDR; M&T doesn't give non-M&T ATM cards back even if it's their fault.
Used their ATM at 8 AM on a weekday and it rebooted after I inserted my card (wasn't even able to put my PIN in). Called them at noon on my lunch and was told I could get my card back with photo ID. Went down to get it and they looked at the card and since I wasn't an M&T card, they couldn't give it back. They said it was "captured"... I informed them their ATM rebooted with my card in it. They didn't care the reason why. One bank worker had the M&T policy in their hand they said they could return my card as long I had photo ID (which I did) but another woman (very unfriendly) who wanted to call Corporate to verify since my card was "captured" (which i again pointed out it wasn't "captured"). Corporate said no and since I had already contacted my bank and my bank manager said if they don't give it back, make sure you see them cut it up, I told them to cut it up. The unfriendly woman told me if I had a M&T checking account this wouldn't have happened... I told her I can guarantee there is no chance of me ever having an account there. read more
