M&T I would say illegally manipulates the time and when your transactions are processed to maximize the amount of fee's they get out of you. They have done this over and over to me. Regardless of what your account statements online or at the brach atm say. Here is a common example of what they do... If I use my debt card on thursday and have the money in the account to cover it. The transactions goes through no problem. I can even look online at my account an hour later and see the transaction processed. Then if I write a large check on Monday (4 days later) which over draws my account by say $10 dollars, If I look at my account on tuesday the debt card transaction I did on thursday has changed and is now showing a processed date of Monday the same day I wrote the check and of course the large check cleared first allowing them to charge a NSF on both transactions even though one was 4 days prior. Literally they change the transaction date on things that were purchased purchased 4-5 days earlier. So they can collect their $37 NSF fee for each transaction.
Usually I am very good at making sure enough money is in the account but when large transactions hit like auto pay on my mortgage hits I sometimes misjudge it... And of course under their system it may cause a NSF fee on 4 or 5 items of $20 or less that I used my debit card on the week prior. All I can say is its obvious they are manipulating the system and cheating on it in their favor. If you have a choice of where to do your banking in upstate NY PA etc... Run in the other direction from M&T!!!
PS If you complain about the situation it will fall on deaf ears saying that you can't go by your balance that they give you and all items are subject to a 3 business days time to clear (although they go beyond that sometimes).
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