M&T Bank SCRA: 1-855-350-SCRA and One Request for Every Account

M&T Bank gives the SCRA its own page, its own team, and its own vanity number: 1-855-350-SCRA (7272), answered by the “M&T Bank SCRA Servicing Team” Monday through Friday, 8:30 a.m. to 5:00 p.m. ET, with a separate international line at 302-934-4872 and a mailbox at scraservicing@mtb.com (all read on mtb.com, August 2026). It publishes no rate below the statutory 6%. Its distinguishing feature is administrative: one request, the page says, is enough to identify every account M&T owns or services, and a friend or family member can file it for you.

The covered list is broad for a regional bank: mortgages, home equity lines of credit, student loans, credit cards and auto loans, marine and other installment loans, and lines of credit. A $35,000 pre-service boat loan at 9.5% capped to 6% forgives about $1,225 a year; a $12,000 card at 26% forgives about $2,400. Total your own accounts in the savings calculator, and if the accounts were open during a past activation you never filed for, start with the refund guide.

What M&T puts in writing

The rate, the forgiveness, and the 180-day window all come from § 3937. M&T restates them accurately and adds the operational promises above.

Getting the 6% applied

File your SCRA request with M&T Bank

1. List every M&T account disbursed before your active-duty start date: mortgage, HELOC, student loan, card, auto, marine or other installment loan, line of credit, and any safe deposit box. M&T asks for enough information to identify each one.
2. Write the request and attach your active-duty orders. The letter generator drafts a § 3937 letter you can send as-is. If a spouse or family member is filing for you, have them sign and add their contact details.
3. Send it one way: email scraservicing@mtb.com, fax 1-888-378-8444, mail M&T Bank, P.O. Box 1850, Buffalo, NY 14240, or deliver it in person at a full-service branch. Keep the sent copy or receipt.
4. Call the SCRA Servicing Team at 1-855-350-SCRA (7272) (international 302-934-4872), Monday through Friday, 8:30 a.m. to 5:00 p.m. ET, to confirm receipt and ask which fees are inside the cap on each account. M&T publishes no processing time, so ask for one.
5. Check the next statements for 6% on every listed account and the credit back to your duty start date. Any account the team missed goes back in a second note referencing the first.

Where M&T borrowers lose the cap

“Disbursed prior to active duty” is M&T’s test, and it matters for lines of credit. The page’s language keys eligibility to when the loan was disbursed, not merely when the account was opened. On a HELOC or a line of credit, that raises the question of draws taken after your start date. Ask the SCRA Servicing Team how it treats those draws on your account and get the answer in writing; the revolving credit guide explains what the statute says.

“Certain fees” is a hedge; make M&T name them. The statute counts fees and service charges as interest, bona fide insurance excepted. M&T’s phrasing leaves room, so ask specifically about late fees, annual fees, and over-limit fees, and compare the answer to your first post-cap statement.

One request does not mean one account number is enough. M&T promises to sweep every account it owns or services, but it also asks you to identify each loan or safe deposit box. Do both: rely on the sweep, and list what you know. That protects a serviced-only mortgage or an older card that might not surface.

Non-SCRA questions go elsewhere. M&T states that its telephone banking line, 1-800-724-2440, handles non-SCRA matters. If a general representative cannot see your request, redirect to 1-855-350-SCRA rather than starting over. The 180-day post-service deadline in § 3937(b) does not pause while you are on hold. If M&T declines an eligible account, the escalation playbook is next, and the bank leaderboard shows how M&T’s program compares.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute.