I just had the worst experience of greed I've ever encountered.A friend gave me a check for app. 2000 dollars drawn on M & T Bank from his account. I went to M & T Bank to cash this check and since I didn't have an account there they were going to charge me 2 percent to cash it-I declined. So if I have an account with this bank and I write a check the receiver of the check can't cash it at the bank it was drawn on. They have no problem I'm sure taking the deposit,they just want to control of who cashes it. I told the friend that since I had to run across town to cash this check for materials that I'm charging him extra. However if he changes banks I will return his money. The funny part of this story is that a relative of his just won over 200,000 from the Pa. lottery and was going to deposit it in the same bank - I guarantee he won't now after this happening. A footnote to M & T, don't worry if you lose half your customers the Government will always bail out all banks. And I will also tell anyone I know about your greed.