How to Report an Unauthorized Charge to Your Account

If you notice charges to your account that you didn't make, act fast – contact us right away.

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How to Report Fraudulent Charges

If you believe you have been a victim of fraud related to your M&T accounts, notify us immediately at 1-800-724-2440 (24 hours a day, 7 days a week), so we can take action to help you.

A formal complaint can also be filed with the Internet Crime Complaint Center (IC3).

If you think you may have been a victim of identity theft, we can provide you with the information you need to report the incident and to file fraud alerts with the top credit reporting agencies, as well as the FTC. 

How to Detect and Report Identity Theft >

Review your account regularly. 

Thieves can get your personal information by many means. So, it’s important to review your account often to make sure all charges to your debit or credit card are charges that you made. If anything looks suspicious, no matter how small the dollar amount, you should notify M&T right away. Never ignore suspicious charges. 

​Tools & Resources

Use M&T Online Banking or Mobile Banking to stay on top of your financial transactions.

You can also sign up for M&T Bank Alerts. You’ll get updates via email, text or app notification if any questionable charges arise. Review more general security tips to make sure you’re doing everything you can to help protect yourself.

Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, "suspicious activity" and "card PIN change" email alerts cannot be disabled.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.