M&T Bank, located at 28 E Main St in Rochester, New York, is a regional financial institution that traces its origins to the early 19th century, evolving from a local banking operation into a larger, diversified organization. Its history reflects broader patterns of banking development in the United States, including consolidation and expansion across multiple states, while maintaining roots in community banking traditions. The institution primarily offers a range of financial services centered on deposit gathering, lending, and related banking activities, with an emphasis on serving individuals, small businesses, and commercial clients. Through its traditional banking functions, M&T Bank supports everyday financial needs, facilitates investment in local economies, and participates in the broader financial system by underwriting credit products and providing payment solutions.
Operational scope for the bank encompasses branch-based service delivery, customer-facing advisory roles, and institutional operations that underpin retail and commercial banking activities. As a financial services provider, the organization maintains regulatory compliance practices, risk management protocols, and standardized operating procedures designed to support reliable, ongoing client service. The Rochester location serves as a local point of contact within a network that spans multiple communities.
Better than 19% of providers in Rochester
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M&T Bank is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
M&T Bank is listed as a financial service provider in Rochester, NY and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask M&T Bank to explain the terms in writing before you proceed.
To improve your chances of getting better terms from M&T Bank, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare M&T Bank with other providers in Rochester and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
M&T Bank has a rating of 3.1, which is better than 19% of providers in Rochester.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents M&T Bank requests. It is always best to call ahead using the phone number on this page so M&T Bank can confirm exactly which documents you need for your specific situation.
In addition to its primary service, M&T Bank also offers: Bank.