See:

http://www.my3cents.com/showReview.cgi?id=77122

I opened a free checking account there in 8/2008, first I was hit by subscription fee for bill pay, I cancelled it via bank secure email in 9/2008 then M&T sent a letter in 2/2009 that due to billpay subscription fee my account is overdrawn and is for collection. BBB resolved that issue after I filed a complant but received another letter for $119 overdrawn dated 4/19/10 supposedly for monthly service charges accumulated on the supposedly totaly free checking when I called M&T asking why wait over a year to issue overdrawn notice I was told they been sending notices to my address for a year (another M&T lie), also the M&T rep answering 585-948-5704 told me over the phone on 4/22/10 that “you signed an agreement then complaining about monthly fees now that it is unfair”, this was after I told her I would not pay $119 as it is unfair, and for the record I never signed such agreement that she claims, I merely opened a free checking account on their website. just be prepared for gross acts of dishonesty if you have to deal with M&T bank. NEED proofs? I gladly fax you the M&T notice of negative balance due to accumulative monthly service charges on their totally free checking. Their acknowledgement to BBB that the 2/2009 letter and sending account to collection due to billpay subscription fees is their error and my exact recall of how dishonestly their reps handle phone inquiries.