I have been trying to have the "Redemption" novation added to my accounts or even a plainly stated denial of my request. Here is what has transpired thus far;

This my original letter to M & T bank. M&T Bank-redemptionRev.pdf
In addition I called the headquarters in Buffalo, NY and spoke with the customer care manager. Here is the reply I got. Attachment 1212
In reply I sent the following; M&T Bank-redemption2ndrequestRev.pdf and as a response I got this; Attachment 1211

They are clearly trying to avoid being on record either allowing a lawful money acct., or denying my request for one.

I shall be attempting to open accts at BoA and or Wells Fargo next week.