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For help with your User ID, please call M&T Online Customer Service at. 1-800-790-9130 (Mon-Fri 8am-9pm, Sat-Sun 9am-5pm ET).Our accessibility efforts are based on the Web Content Accessibility Guidelines (WCAG) standard. If you need assistance as we work to enhance our website, please contact our Telephone Banking Center at 1-800-790-9130. Representatives are available Monday–Friday 8am–9pm, Saturday and Sunday 9am–5pm ET. With …Get a 0.25% Automatic Payment Discount 14 and a 0.25% Loyalty Discount 15 with all Citizens checking accounts..