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Without having to travel 1200 miles to go and get it.
I had three accounts at M+T in Rochester. I moved South. After I was here, I closed the checking account and opened one down here. My savings account and small business accounts are still up there and they won't let me close the accounts out unless actually I go there and who knows whether they will then either.
This makes no sense to me. People have accounts all over the US and around the world. I doubt that those people actually have to travel to Kenosha or Philadelphia or Seville or Sydney to access their accounts. How do they do it?
Of course M+T won't let the money out if they can help it. But there certainly must be a routine way of operating from a distance. There are certainly others who do it.
If OP were to bother to call M+T this is the information he would get. Contact the branch where the accounts are housed (customer service can direct him), send a written request including copy of ID such as drivers license to the branch.
800 724 2400
First link that comes up for M&T Top FAQs. See "How do I close an account?":
"Your signature is required to process this type of request. If you are unable to visit an M&T Bank branch, please send your signed request to your branch of accounts."
If OP were to bother to call M+T this is the information he would get. Contact the branch where the accounts are housed (customer service can direct him), send a written request including copy of ID such as drivers license to the branch.
800 724 2400
Called corporate twice. They said call the branch twice.
Called the branch twice. They said no twice.
If you have a name of someone in the company who can be more helpful, I'm receptive.
This City-Data forum sure is trollsville, isn't it?
S
PS My bank says that wire transfer can only be launched from the source, i.e. the bank holding the money.
PS Savings accounts don't have checks.
PS ATM? What's that?
PS Opening a web account seems on the surface to be a good idea but my memory of the M+T site is that it's majestically user-hostile, even for a bank. Plus I admit to a preference to not be sucked deeper into M+T at any point during this project.
PS This City-Data forum sure is trollsville, isn't it?
Common sense should play some role in this scenario.
A bank cannot refuse to give you your money.
They can require that you show up in person so they can check ID
and make sure that they are not giving your money to someone else.
If you would write a letter stating exactly what you would like to do
enclose a notorized copy of your identification and send the letter
certified with a return receipt you may actually get the transaction
done as you want it done without traveling.
Perhaps you should have closed the accounts before you moved.
Just sign up for online banking (it can't be that difficult) and transfer the money out of savings into checking. Or call the bank and do a transfer from savings into checking over the phone (they will be able to verify your ID over the phone and transfer the money). Then write a check for the full amount and deposit it into your new bank account. Oh, and you should be able to close an account online as well once it's reached a zero balance.
Former bank manager here, by the way.
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