Surprisingly enough, especially to me, M&T has branches outside of Ithaca. I've seen a couple in New York City . I would say that M&T is a good bank to have if you are in Ithaca. In New York, it wouldn't be my first choice for banks, simply because it isn't big enough and convenience becomes a factor. However, in Ithaca, it is one of the major banks and is quite good. For new students, check out their booths during orientation. They have pretty laccount options and you can usually swing some sort of free gift or money for opening an account.