M&T Bank provides specialized customer service for a wide range of financial needs. While their general telephone banking is available 24/7, specific departments like Mortgage and Business banking have set operating hours. Use this guide to find the correct direct line and reach a live agent without the wait.
M&T Bank Customer Support Number List
Below are the verified contact numbers for M&T Bank departments as of 2026:
| Support Department | Phone Number |
|---|---|
| General Customer Service (24/7) | 1-800-724-2440 |
| Online & Mobile Banking Support | 1-800-790-9130 |
| Credit Card Inquiries | 1-866-279-0888 |
| Mortgage Customer Service | 1-800-724-2224 |
| Mortgage Assistance (Hardship) | 1-800-724-1633 |
| Business Banking Inquiries | 1-800-724-6070 |
| Commercial Card Servicing | 1-800-443-8671 (Opt. 4) |
| Treasury Management Services | 1-800-724-2240 |
Quick Tip: For the most secure experience, always call the number listed on the back of your M&T debit or credit card.
Visit Official M&T Bank Contact Page
M&T Bank Live Agent Hours (Eastern Time)
While automated banking is available 24/7, live professional support varies by department:
- General Telephone Banking: 24 hours a day, 7 days a week.
- Online/Mobile Support: Mon–Fri 8:00 AM – 9:00 PM; Sat–Sun 9:00 AM – 5:00 PM ET.
- Credit Card Support: Mon–Fri 6:00 AM – 9:00 PM; Sat–Sun 9:00 AM – 5:00 PM ET.
- Mortgage Department: Mon–Fri 8:30 AM – 9:00 PM ET.
- Business Banking: Mon–Fri 6:00 AM – 9:00 PM; Sat–Sun 9:00 AM – 5:00 PM ET.
You may also find helpful support pages for other banking and financial services.
Explore additional customer support guides for related services.
How to Talk to a Live Person at M&T Bank
M&T Bank's automated system can be extensive. To reach a human representative quickly:
- Dial 1-800-724-2440.
- Follow the prompt to provide your account information or debit card number.
- If you don't have your account info, stay on the line or press "0" several times.
- For specific credit card issues, calling 1-866-279-0888 directly is significantly faster than going through the main line.
Common Reasons to Contact M&T Support
- Card Protection: Reporting a lost, stolen, or damaged M&T debit or credit card.
- Technical Support: Troubleshooting login issues with the M&T Mobile App or M&T Online Banking.
- Mortgage Management: Asking about escrow payments, loan payoffs, or tax forms.
- Transaction Disputes: Reporting unauthorized charges or requesting a refund.
Frequently Asked Questions (FAQ)
How do I report a lost M&T Bank card?
Call 1-800-724-2440 immediately. You can also log into the M&T Mobile App, select "Card Services" from the menu, and choose "Report a Lost or Stolen Card" to lock it instantly.
Does M&T Bank have 24/7 customer service?
Yes, general account information and automated banking are available 24/7 at 1-800-724-2440. However, technical and loan-specific departments have limited business hours.
Can I schedule an appointment at an M&T branch?
Yes, M&T Bank encourages scheduling appointments for complex services like opening new accounts or discussing loans. You can do this online through their "Make an Appointment" tool.
