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If you have an Installment Loan, you can even make one-time payments from a non-M&T checking or savings account. By Phone. Call 1-800-724-2440 to speak to a representative or use our automated payment assistance system. Monday–Friday 6am–9pm ET. Saturday–Sunday 9am–5pm ET. Call 1-866-279-0888. Refinance your home while the cookies bake. We've made refinancing your mortgage quick and easy. Get Started Online. Call 1-800-294-0824 To Learn More. Our philosophy is based on customer experience not price. We work with local businesses to offer responsible lending options. We are thoughtful and transparent with our shareholders' capital. We listen and work together to provide solutions to meet your needs. Learn how M&T Bank is making the communities we serve better. Best referral bonuses. American Airlines Federal Credit Union: $25 for each family member referral up to a maximum of $250. Axos Bank: $50 for a referral and $50 to the referred customer. 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