When trying to add M&T Bank account using Direct Connect, It takes awhile and then just gives me "Its not your fault" error. I read an old post that said M&T charges for Direct Connect, but they did not mention that while I was on the phone with them asking about connecting with Quicken. A few hours after the failure, my M&T account gets locked and I have to call their fraud department to get my account unlocked. Does anyone know what is going on or how to add an account at M&T Bank? Is there really a monthly fee for Direct Connect?