Bank Branches › Closed and merged banks › Tennessee › Citizens Bank of Monroe County
What happened to Citizens Bank of Monroe County?
Citizens Bank of Monroe County in Tellico Plains, TN (earlier called City and County Bank of Monroe County) failed, and Bank of Oak Ridge of Oak Ridge, TN took it over on Apr 27, 1984. After 3 more changes of hands, what was Citizens Bank of Monroe County is today part of Bank of America, National Association (Charlotte, NC).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1920City and County Bank of Monroe County opens in Tellico Plains, TN
- May 24, 1983renamed Citizens Bank of Monroe County
- Apr 27, 1984FAILEDCitizens Bank of Monroe County failed, and Bank of Oak Ridge of Oak Ridge, TN took it over.FDIC certificate 1472 ends; its business continues under certificate 17226.
- Nov 11, 1989MERGEDBank of Oak Ridge (by then renamed Sovran Bank/Eastern) of Oak Ridge, TN merged into Sovran Bank/Central South of Nashville, TN.FDIC certificate 17226 ends; its business continues under certificate 10313.
- Nov 12, 1998MERGEDSovran Bank/Central South (by then renamed NationsBank of Tennessee, National Association) of Nashville, TN merged into NationsBank, National Association of Charlotte, NC.FDIC certificate 10313 ends; its business continues under certificate 15802.
- Jul 23, 1999MERGEDNationsBank, National Association (by then renamed Bank of America, National Association) of Charlotte, NC merged into Bank of America National Trust and Savings Association of Charlotte, NC.FDIC certificate 15802 ends; its business continues under certificate 3510.
- TodayOPEN
Bank of America, National AssociationMain office Charlotte, NC · FDIC certificate 3510 · 3,598 offices in 39 states on June 30, 2026Every Bank of America, National Association office → Website on file with the FDIC: www.bankofamerica.com
If you still have something from Citizens Bank of Monroe County
A lien that was never released
Citizens Bank of Monroe County failed on Apr 27, 1984. For a failed bank placed in FDIC receivership, the FDIC may be able to issue the lien release, if the loan was paid off to the bank before it failed or to the FDIC afterward. The FDIC says that where a failed bank had an acquirer, its records in most cases went to that acquirer. Here the chain from the acquirer leads to Bank of America, National Association, which is worth asking too.
Requests go through the FDIC Information and Support Center with the recorded mortgage or title, and proof of payoff. The FDIC says to allow 30 business days once it has every document, and does not take requests by phone or email. Questions: FDIC Resolution Inquiries, 888-206-4662, 8am–4pm Central on weekdays.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, Bank of Oak Ridge). Start with Bank of America, National Association, and ask them to search under the name Citizens Bank of Monroe County.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Bank of America, National Association. A box abandoned for years may have been turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 1472 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.