M&T Bank online banking issues have disrupted services for thousands of customers, with outages reported across multiple states on September 19 and 20, 2025. Both mobile and online platforms experienced widespread problems, leading to delays in direct deposits, login failures, and incorrect account balances.
Customers Report Delays and Outages
The trouble began early Friday morning when many customers noticed they were unable to log into the M&T mobile app. Others found that their account balances were either unavailable or displaying incorrect amounts. The most significant frustration came from direct deposits not appearing in accounts, leaving many customers concerned about missing paychecks.
By mid-morning, more than 2,000 outage reports had been logged, signaling that the issue was not isolated but widespread across the bank’s service regions.
Types of Problems
A breakdown of customer complaints shows the scope of the outage:
- Direct deposit delays accounted for more than half of the issues. Customers expecting paychecks or recurring payments reported that their money had not arrived on schedule.
- Online banking access failures made up nearly 40% of complaints, with users locked out of both mobile and desktop platforms.
- Balance discrepancies affected a smaller group of customers, who noted that their account details were missing or incomplete.
These issues were reported across several states, including Maryland, Pennsylvania, New York, New Jersey, and Connecticut.
Bank Response
M&T Bank acknowledged the outage, confirming that it was experiencing intermittent issues with online and mobile banking systems. The bank advised customers to attempt access through its website if the mobile app was unresponsive.
By late afternoon on Friday, the bank announced that mobile services had been restored. However, some customers continued to face residual delays with transactions and balance updates into Saturday morning.
How Customers Are Affected
The outage has created challenges for individuals and businesses alike. Employees relying on timely direct deposits found themselves waiting for funds, while small businesses using M&T services faced difficulties processing payments.
For customers, the key takeaways include:
- Check for missing deposits. If a payment is not showing, confirm with the employer or sender that it was released.
- Try alternate access methods. The bank’s website may be available even if the mobile app is down.
- Verify balances carefully. Once systems are restored, review your account for accuracy.
- Expect longer wait times. Customer support lines are likely experiencing heavy call volumes.
Why These Issues Happen
M&T Bank has not yet shared the exact technical cause of the disruption. However, outages of this scale typically stem from server problems, transaction processing failures, or system upgrades that don’t roll out as expected.
Modern banking platforms are highly interconnected. When one part of the system experiences errors—such as direct deposit processing—the impact can ripple across mobile apps, online accounts, and even ATM networks.
Comparison With Past Disruptions
While M&T Bank has experienced minor service interruptions before, the scale of this incident makes it one of the largest in recent months. The number of customers impacted and the timing—coinciding with weekly payroll deposits—created significant inconvenience.
Financial institutions across the country face similar challenges as they modernize digital platforms, and outages like this serve as reminders of the fragility of online banking systems.
Current Status
As of the latest updates:
- Mobile banking services are back online.
- Online banking access has improved, though some users still report delays.
- No evidence suggests that customer data was compromised.
- M&T continues to monitor the situation and may issue additional updates in the coming days.
What Customers Should Do Next
Until M&T Bank provides a full explanation and confirmation that all systems are running smoothly, customers should remain cautious.
Here are recommended steps:
- Monitor your account closely for missing deposits or inaccurate balances.
- Document any delays in case fees or late payments occur as a result.
- Contact customer support if funds are still missing after 24 hours.
- Keep alternative payment options available in case digital services experience further disruptions.
Looking Ahead
M&T Bank is expected to release more details about the cause of the outage and whether it will offer accommodations to customers affected by delayed deposits or other inconveniences. Banks often waive overdraft fees or issue credits in such situations, though no such announcement has been made yet.
The incident highlights how dependent both consumers and businesses have become on reliable online banking. With so many transactions conducted digitally, even short-term outages can create significant stress.
Bottom Line
M&T Bank online banking issues caused major service disruptions this week, with thousands of customers experiencing delayed deposits, login failures, and missing account details. While mobile services are largely restored, some delays persist. Customers are advised to double-check their accounts, follow up on missing payments, and remain alert for further updates.
Have you been affected by this outage? Share your experience in the comments so others can understand how widespread the issues remain.