Bank Branches › Closed and merged banks › New York › Home Savings Bank of Upstate New York
What happened to Home Savings Bank of Upstate New York?
Home Savings Bank of Upstate New York in Albany, NY merged into City and County Savings Bank of Albany, NY on Oct 31, 1981. After 2 more changes of hands, what was Home Savings Bank of Upstate New York is today part of TrustCo Bank (Glenville, NY).
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.
- 1872Home Savings Bank of Upstate New York opens in Albany, NY
- Oct 31, 1981MERGEDHome Savings Bank of Upstate New York merged into City and County Savings Bank of Albany, NY.FDIC certificate 16053 ends; its business continues under certificate 16052.
- Sep 30, 1991MERGEDCity and County Savings Bank (by then renamed Home and City Savings Bank) of Albany, NY merged into Trustco Bank New York of Glenville, NY.FDIC certificate 16052 ends; its business continues under certificate 662.
- Nov 15, 2002MERGEDTrustco Bank New York (by then renamed Trustco Bank, National Association) of Glenville, NY merged into TrustCo Bank of Glenville, NY.FDIC certificate 662 ends; its business continues under certificate 31945.
- TodayOPEN
TrustCo BankMain office Glenville, NY · FDIC certificate 31945 · 132 offices in 5 states on June 30, 2026Every TrustCo Bank office → Website on file with the FDIC: www.trustcobank.com
If you still have something from Home Savings Bank of Upstate New York
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Home Savings Bank of Upstate New York as lienholder, start with TrustCo Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask TrustCo Bank to search for the account under the name Home Savings Bank of Upstate New York. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask TrustCo Bank which branch now holds boxes from the Home Savings Bank of Upstate New York office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be 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 16053 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.