M&T Bank in North Salem, NY

Do yourself a favor and avoid M&T at all costs, especially if you plan on doing business outside of the local area! Problems and poor service abound: to begin with, M&T finds more ways to nickel and dime their customers than any other bank with which I've worked. The most egregious example of this is the $3 service fee to use any non-M&T ATM; I've often though I would have more luck finding Atlantis than an M&T machine (especially when venturing outside of NYC). That M$T charges for ACH bank transfers when banks like Chase and Citi allow you to do them for free is likewise infuriating. Furthermore, the bank's website looks and feels like it hasn't been updated since the 1990s, which would be tolerable if the functionality wasn't also minimal: doing even the simplest things, such as ordering new checks or updating account information, ranges from stressful to downright impossible (I can't update my mailing information or P.I.N. online? Seriously?). The only reason I gave this bank 2 stars is because the customer service representatives are quite knowledgeable, if you can actually get through to one through the morass that is the automated phone system.