M&T Bank Headquarters & Corporate Office

About M&T Bank

M&T Bank is a major U.S. regional banking institution headquartered in Buffalo, New York. The bank provides personal banking, business banking, commercial lending, mortgages, credit cards, wealth and investment services, treasury management, digital banking, and institutional financial services. M&T’s history reaches back to 1856, when Manufacturers and Traders Bank was established in Buffalo, giving the organization deep roots in Western New York and the broader northeastern United States.

M&T Bank is the principal banking subsidiary of M&T Bank Corporation, a publicly traded bank holding company. Through M&T Bank and affiliated businesses such as Wilmington Trust, the organization serves consumers, small and mid-sized companies, commercial clients, institutions, and wealth-management customers. Current company information describes a franchise with more than $213 billion in assets, 900+ branches, and approximately 22,000 employees across the eastern United States.

The current Chairman and Chief Executive Officer is René F. Jones, who has served as CEO since 2017. M&T remains listed on the New York Stock Exchange under ticker MTB, and its corporate headquarters continues to be One M&T Plaza in downtown Buffalo, a 21-story building completed in 1966 and long identified by the company as its corporate headquarters.

M&T Bank Headquarters & Corporate Office Address

Current Headquarters

M&T Bank Corporation
One M&T Plaza
Buffalo, NY 14203
United States

M&T’s current Investor Relations and corporate materials continue to identify One M&T Plaza as the company’s Buffalo headquarters.

Corporate Office

One M&T Plaza
Buffalo, NY 14203

M&T Bank and M&T Bank Corporation both use the Buffalo complex for corporate leadership, banking operations, Investor Relations, governance, and other administrative functions.

Mailing Address

Because mailing addresses depend on the product, M&T publishes separate correspondence addresses for mortgages, credit cards, home equity, installment loans, legal documents, and other departments.

For general corporate purposes

M&T Bank Corporation
One M&T Plaza
Buffalo, NY 14203

Other Important Address

For mortgage Notices of Error or Requests for Information:

M&T Bank
P.O. Box 62986
Baltimore, MD 21264-2986

For legal-document processing by regular mail:

M&T Bank Legal Document Processing
P.O. Box 844
Buffalo, NY 14240-0844.

Quick Information

Corporate Phone Number

716-635-4000

M&T publishes this number for general inquiries and complaints through its Investor Relations contact information.

Customer Service Number

1-800-724-2440

This is M&T’s major personal-banking Customer Service number and is also used for fraud-related assistance.

Corporate Office Address

One M&T Plaza, Buffalo, NY 14203

Headquarters Address

One M&T Plaza, Buffalo, NY 14203

Email

M&T does not publish a universal unsecured Customer Service email for ordinary banking questions.

Investor Relations: ir@mtb.com
Phishing Reports: phishing@mtb.com.

Industry

Banking, Financial Services, Commercial Banking, Mortgage Lending, Wealth Management, Investment Services

Founded

1856

Number of Employees

Approximately 22,000 employees.

Number of Branches / Assets

900+ branches

More than $213 billion in total assets, based on March 31, 2026 company leadership data.

Corporate Office Hours

Corporate headquarters does not publish standard public walk-in hours.

M&T’s main Customer Service availability varies by department. General Customer Service is currently available Monday through Friday from 6:00 AM to 9:00 PM and Saturday through Sunday from 9:00 AM to 5:00 PM ET, while fraud assistance is available 24/7.

Website

https://www.mtb.com/

Investor Relations

https://ir.mtb.com/

M&T Bank Products & Services

Checking Accounts

M&T offers multiple personal checking products designed for different account balances, banking relationships, and customer needs. Accounts can be managed through branches, ATMs, Online Banking, and the M&T Mobile Banking app.

Savings Accounts

Savings products include traditional savings accounts and relationship-based options. Current offerings include Premium Savings, Relationship Savings, Starter Savings for younger customers, and the M&T Preferred Money Market account.

Certificates of Deposit

M&T offers Certificates of Deposit with fixed terms and rates. CDs can be used by customers seeking a predictable return over a defined deposit period and are subject to applicable early-withdrawal conditions.

Money Market Accounts

The M&T Preferred Money Market account is designed to provide higher earning potential as account balances increase. Current pricing can also offer additional benefits for qualifying new money deposited into the account.

Credit Cards

M&T provides Visa credit-card products with features that can include rewards, competitive rates, introductory offers, and digital account management. Credit-card correspondence and payment addresses are handled separately from general deposit accounts.

Mortgages

M&T offers home-purchase and refinance mortgages across a range of borrower needs. Its mortgage products include traditional home lending as well as renovation-mortgage options for properties requiring improvements.

Home Equity Lines of Credit

M&T’s CHOICEquity home equity line provides revolving borrowing capacity secured by qualifying home equity. Current options can include variable and fixed-rate structures, with servicing handled through M&T’s consumer-lending operations.

Personal Loans

M&T provides personal installment loans for expenses such as debt consolidation, home improvement, or other qualifying borrowing needs. Rates, loan amounts, and approval terms depend on creditworthiness and the product selected.

Auto Loans

Customers can finance qualifying new or used vehicles through M&T. Auto loans are part of the bank’s consumer-lending portfolio and can be managed through M&T’s online and mobile banking systems.

Recreational Vehicle and Marine Loans

M&T offers financing for boats, motorcycles, recreational vehicles, and other qualifying recreational assets. Terms vary by loan type, borrower qualifications, and collateral.

Student Loans

The bank provides access to student-loan options for qualifying education expenses where federal aid is insufficient. Customers should review current lending terms and repayment requirements before borrowing.

Business Checking

M&T offers business checking products for organizations ranging from new and small businesses to established companies. Current products are designed around transaction volume, cash-flow needs, digital banking, and relationship services.

Business Savings

Business savings products help companies maintain reserves and earn interest on qualifying balances while preserving access to funds for operating needs.

Business Financing

M&T provides business lending including term loans, lines of credit, commercial loans, and other financing solutions. It also supports businesses in specialized industries including professional services, healthcare, franchises, and agriculture.

SBA Loans

M&T provides U.S. Small Business Administration-backed lending to qualifying companies. SBA products can support business acquisition, real estate, equipment, expansion, and other eligible purposes.

Merchant Services

Merchant Services help businesses accept and process customer payments. These services integrate with the bank’s broader business-banking and treasury-management capabilities.

Cash Management

M&T provides cash-management services for businesses seeking better control over liquidity, receivables, payments, account balances, and fraud risk. Services can include ACH, wire transfers, digital account tools, and treasury functions.

Mobile Banking

The M&T Mobile Banking app allows eligible customers to view accounts, deposit checks, pay bills, schedule transfers, make loan payments, receive alerts, and locate branches and ATMs.

Online Banking

M&T Online Banking provides digital access to checking, savings, CDs, mortgages, loans, lines of credit, credit cards, and many business accounts. Customers can combine eligible personal and business relationships under supported account structures.

Wealth and Investment Services

M&T and affiliated businesses provide investment, insurance, wealth-management, trust, and institutional services. These offerings serve customers whose needs extend beyond everyday banking and lending.

Wilmington Trust Services

Through Wilmington Trust, M&T provides wealth advisory, trust, fiduciary, institutional, and corporate financial services. Wilmington Trust is an important component of M&T’s broader wealth and institutional business.

M&T Bank Corporate Phone Numbers

Corporate Phone Number

716-635-4000

Corporate Headquarters Number

716-635-4000

Headquarters Number

716-635-4000

Corporate Office Number

716-635-4000.

Customer Service Number

1-800-724-2440

Customer Support Number

1-800-724-2440

Toll-Free Number

1-800-724-2440

Fraud Number

1-800-724-2440

Fraud assistance is available

24 hours a day, 7 days a week.

Identity Theft Number

1-800-724-2440.

Mortgage Customer Service Number

1-800-724-2224

This number is published for general questions about mortgage accounts and servicing.

Mortgage Loss Claims

1-888-882-1858

or

1-888-882-1847

for qualifying mortgage insurance-loss claims.

Sales Number

M&T does not use one universal sales number across all financial products.Customers should use the appropriate product team, local branch, or 1-800-724-2440.

Billing Number

There is no single billing-only number covering every M&T product.Credit card, mortgage, consumer lending, and commercial products have separate servicing channels.

Regional Office Number

M&T operates regional leadership teams but does not publish one universal regional-office number.

Branch Office Number

Individual branches maintain their own local contacts.Use the official M&T branch locator.

International Number

No single universal international Customer Service line is prominently promoted for all products.

Emergency / After-Hours Number

For fraud and account-security emergencies

1-800-724-2440, available 24/7 for fraud reporting.

Investor Relations Number

716-842-5138

Investor Relations Email

ir@mtb.com.

Transfer Agent Number

1-866-293-3379

Computershare serves as M&T Bank Corporation’s transfer agent.

Media / Press Number

929-651-0447

Current national media contact

Frank Lentini.

Human Resources Number

M&T does not publish one universal public HR line for applicants.

Careers support email

CareerSiteSupport@mtb.com.

Reservations / Booking Number

Not applicable.

M&T is a banking and financial-services institution.

How to Reach a Real Person at M&T Bank

For ordinary personal-banking questions, call 1-800-724-2440 and have your account type, last four digits of the relevant account or card, recent transaction details, and identification information ready. Customers with a local branch relationship can also schedule an appointment or speak directly with branch staff, which is often the best route for account-opening issues, notarized documents, cash transactions, identity verification, or matters requiring physical documentation.

Mortgage borrowers should generally use the specialized mortgage line 1-800-724-2224 rather than general Customer Service, especially for servicing questions. Fraud and identity-theft concerns require immediate action through 1-800-724-2440, which M&T states is available 24 hours a day for fraud reporting. Suspicious emails claiming to come from M&T can be forwarded to phishing@mtb.com.

For general inquiries or complaints that remain unresolved through the regular service channels, M&T’s Investor Relations contact page directs account-support complaints back to the M&T Help Center or 716-635-4000. Serious written account, mortgage, loan, and legal issues should use the department-specific correspondence addresses published by M&T rather than sending sensitive information to an unsecured email account.

How to File a Complaint Against M&T Bank

Complaints against M&T can involve deposit accounts, fees, overdrafts, credit cards, mortgages, home equity, loans, fraud claims, unauthorized transactions, branch service, account closure, digital banking, business accounts, or servicing errors. Before escalating, gather statements, account and transaction dates, copies of correspondence, branch details, mortgage or loan numbers, dispute reference numbers, and any relevant contracts or disclosures. Avoid placing full Social Security numbers, passwords, PINs, or other sensitive security credentials in unsecured email correspondence.

Step 1: Contact Customer Service

Call 1-800-724-2440 for personal banking or 716-635-4000 for general inquiries and complaints. Explain the problem, relevant dates and amounts, and the specific correction requested. Ask the representative to document the complaint and provide any available reference number. Fraudulent or unauthorized transactions should be reported immediately because M&T emphasizes that prompt notification is important when trying to prevent additional losses.

Step 2: Contact the Relevant Department

Use the department responsible for the affected financial product. Mortgage servicing questions should go to 1-800-724-2224, while fraud uses 1-800-724-2440. Credit-card, commercial, home-equity, installment-loan, or business-banking issues should be routed through the corresponding servicing team. Sending the case directly to the product specialist can avoid delays caused by repeatedly explaining the issue to a general service representative.

Step 3: Request Supervisor or Management Review

If the representative cannot resolve the matter, request review by a supervisor, branch manager, servicing manager, or complaint specialist. Summarize what has already happened, including previous case numbers and any commitments made by M&T employees. For branch-related complaints, speak with the branch manager first and then escalate beyond the branch if necessary. Keep a written call log showing dates, representatives, and the substance of each conversation.

Step 4: Use the Company’s Written Complaint Channel

For disputes requiring a formal written record, use the correct M&T mailing address for the product. M&T publishes separate correspondence addresses for mortgage servicing, home equity, installment loans, credit cards, statement errors, and other matters. Mortgage Notices of Error and Requests for Information must be sent to the designated address if the borrower wants the request handled under the formal mortgage-servicing procedures.

Step 5: Contact Corporate Headquarters

For a serious unresolved corporate complaint, correspondence can be sent to M&T Bank, One M&T Plaza, Buffalo, NY 14203. Provide your name, account type, only the identifying information reasonably required, complaint history, case numbers, disputed amounts or transactions, and the resolution you are seeking. Do not send original records. Current M&T corporate and Investor Relations materials continue to identify One M&T Plaza as the headquarters.

Step 6: Use the Specialized Complaint or Dispute Department

Mortgage borrowers should use M&T’s designated mortgage error-resolution and information-request process where applicable. Fraud cases should remain with M&T’s Fraud team until the bank has completed its investigation. Credit-card and electronic-funds disputes may have formal timing and notice requirements under applicable federal law and the account agreement, so submit complaints promptly and keep proof of when the bank received them.

Step 7: File With the Appropriate Regulator

Banking complaints can be submitted to the regulator with jurisdiction over the specific M&T entity and issue. Depending on the complaint, appropriate regulators can include the Consumer Financial Protection Bureau, the Federal Reserve consumer-complaint system, the Federal Deposit Insurance Corporation, or relevant state banking regulators. Mortgage, deposit, lending, fair-lending, or servicing complaints may be handled differently, so identify the product and legal entity before selecting a regulator.

Step 8: Use Consumer Protection or Financial Dispute Options

Consumers may also use state Attorney General consumer-protection offices or other applicable financial-services agencies where state law provides additional rights. Identity-theft victims can report the issue to the Federal Trade Commission and place fraud alerts with credit bureaus, while internet-related financial fraud can also be reported to the FBI’s Internet Crime Complaint Center. M&T itself references IC3 and FTC-related identity-theft reporting in its fraud guidance.

Step 9: Consider Formal Legal or Arbitration Procedures

If the complaint remains unresolved after internal and regulatory review, examine the account agreement, mortgage documents, loan agreement, or digital-services agreement that governs the specific product. Dispute provisions differ by account type, and M&T’s Digital Services Agreement expressly notes that mortgage and home-equity disputes can be governed by their separate agreements. Depending on the contract and applicable law, options may include arbitration, small-claims proceedings, litigation, or other formal remedies. Customers considering this stage should retain statements, correspondence, formal notices, regulatory complaints, and proof of delivery.