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Hudson City FAQs

​Get answers to your questions about the merger between M&T Bank and Hudson City and how it may impact you.




  • This merger aligns two companies with similar values and long-standing commitments to serving their customers and communities. Combining Hudson City's attractive retail network with M&T's full-service commercial banking suite will create one of the nation's strongest and most successful banking franchises.

  • The initial stage was completed on November 1, 2015, at which time Hudson City Bancorp, Inc., the parent company of Hudson City Savings Bank, merged with M&T Bank Corporation. On that date, Hudson City Savings Bank also merged into M&T Bank. A systems conversion took place after the close of business on February 12, 2016.

  • All offices and ATMs remain open and are now part of M&T Bank.

  • If you had an account, you should have received detailed communications from M&T Bank regarding the transition of your accounts.

  • All customer-facing employees from the former Hudson City Savings Bank, including employees at all of the branches, have been offered positions with M&T. This means that you will continue to see the same friendly faces at the same convenient locations when you come in to do your banking.

  • M&T is not planning to close any of the former Hudson City branches. This situation is unique because our networks are complementary, with very little overlap of branches.

  • M&T Bank’s website address is www.mtb.com – please feel free to visit our website to learn more about M&T Bank and the products and services offered.
  • Prior to the merger, M&T operated more than 650 branches and some 1500 ATMs in New York, Maryland, New Jersey, Pennsylvania, Delaware, Virginia, West Virginia, Florida and Washington, DC. With this merger, we are happy to add the Hudson City branches and ATMs to our network. M&T is headquartered in Buffalo, New York, where it was founded in 1856 and has large corporate and operations facilities in many parts of its footprint. Learn more about M&T, including branch and ATM locations, at www.mtb.com.

  • Customers who have general questions regarding M&T’s acquisition of Hudson City can contact M&T’s Telephone Banking Center at 1-800-724-2440.

  • Yes. M&T will have a strong presence in New Jersey. M&T acquired Hudson City's network of 135 branch offices, 97 of which are located in New Jersey, 29 in downstate New York and 9 in Fairfield County, Connecticut. M&T has gained approximately $25 billion in deposits and $28 billion in loans from the merger (before acquisition accounting adjustments), giving M&T the fourth largest deposit share in New Jersey.

    M&T practices a community banking model – and believes that the well-being of the bank is dependent upon the well-being of the communities it serves. In fact, M&T is highly regarded as a committed, active and innovative corporate citizen and has earned that reputation through sound business practices combined with charitable contributions, corporate sponsorships, civic leadership and employee volunteerism.

  • Yes. M&T has been recognized as one of the top charitable companies in the United States and donated more than $182 million to a wide range of community-based organizations during the past 10 years, including $21.8 million to 3300 not-for-profit organizations in 2014. M&T is well aware of Hudson City’s steadfast support of many important institutions in New Jersey. In fact, managers at M&T have already begun having conversations with many local not-for-profit organizations and foundations.

  • Important information regarding FDIC deposit insurance.

    General Rule: For six months following the merger on November 1, 2015, deposit accounts that you had at Hudson City Savings Bank prior to the merger will continue to be separately insured from other deposit accounts that you have with M&T Bank.

    Any M&T Bank deposit accounts that you had prior to the merger and any new deposit account that you may establish after the merger, including those opened with the Hudson City division of M&T Bank prior to the systems conversion, will not be separately insured, but, rather, will be combined to determine applicable FDIC insurance limits.DIS-314-DIS

    Special Rules for Certificates of Deposit (CDs): CDs that you had at Hudson City Savings Bank prior to the merger are separately insured for six months from the merger date or until maturity, whichever is later. If your former Hudson City CD automatically renews during that six-month transition period, it will continue to be separately insured until its next maturity date.

    These transition periods allow you the opportunity to consider how to maximize FDIC deposit insurance coverage for your accounts. After these transition periods, your former Hudson City Savings Bank deposits and your M&T Bank deposits will be combined for purposes of determining your FDIC deposit insurance coverage.

    For more information on FDIC insurance, please visit www.fdic.gov.