M&T Bank : Types of Fraud
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Types of Fraud

As you know, crimes like identity theft, computer hacking, telemarketing fraud and email fraud are unfortunately all too common today. One of the ways individuals carry out such activities is by posing as a representative of a company you currently do business with.

At M&T Bank, we want you to know that the only reason we would contact you seeking any type of personal or financial information would be if you were in the process of applying for a loan or opening an account with us, or if we were attempting to validate an extraordinary transaction on one of your accounts. If you ever question the legitimacy of a request for your personal or financial information made by an individual claiming to represent M&T Bank, please contact us immediately at 1-800-724-2440.

At M&T, we’re committed to helping you keep your financial and personal information safe. As part of that commitment, we’d like to help educate you on three common types of scams, used to gain your personal information:

  • Phishing leverages email
  • Vishing leverages phone calls
  • SMiShing leverages text messages

These techniques are designed to mislead you into providing personal information such as account numbers, PINs, Social Security numbers, and login credentials (username and password). You may even receive a fraudulent email that appears to come from M&T Bank and contains our logo. Often times, you’re made to think your attention is needed immediately and may even be provided a link to a page to enter personal information.


  • Unless you initiate the contact or we are completing an application for you, M&T will NOT request personal information, such as your Social Security number, M&T Debit Card/ ATM Card number, or mother’s maiden name
  • NEVER give out your personal information in response to an unsolicited email, phone call or text message
  • Forward any suspicious emails to phishing@mtb.com that appear to be from M&T and request that you click on a link to enter your login credentials or personal information. Never supply any account or login credentials to suspicious emails
  • If you believe you have been a victim of fraud related to your M&T accounts, notify us immediately at 1-800-724-2440 (Mon-Fri 6am-9pm, Sat-Sun 9am-5pm ET), so we can take action to help you

Tips to Protect Yourself from Phishing, Vishing and SMiShing Scams

  • Never respond to any phone calls, emails or text messages requesting personal information
  • Delete emails before opening them if received from anyone you do not recognize
  • Ignore emails or text messages that threaten termination of service if you do not follow the instructions contained in the message. If the email or text message appears to come from a company that you do business with, contact them directly to discuss/report the message
  • Never click on hyperlinks within emails, tweets, posts or text messages if you believe they may be fraudulent; hyperlinks may contain a virus. Instead, retype the company name into your browser
  • Always look for "https://" and a padlock on legitimate websites that require the input of personal information
  • Utilize the SPAM filter within your browser to prevent unwanted pop-ups
  • Consistently validate that each of your computers has up-to-date software installed including operating system, personal firewall, anti-virus, anti-spyware and current browser. Ensure your anti-virus and anti-spyware software is enabled and performing scans on a regular basis
  • Check & monitor your credit report regularly

These scams aren’t the only ways fraudsters can access your accounts and information. Learn more about fraud scams and how you can protect yourself at websites such as:


Learn more about M&T and Protecting Your Information.

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