Bank Branches › Closed and merged banks › Florida › United National Bank
What happened to United National Bank?
United National Bank in Cocoa Beach, FL merged into First American Bank and Trust of North Palm Beach, FL on Mar 21, 1983. After 5 more changes of hands, what was United National Bank 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.
- 1956United National Bank opens in Cocoa Beach, FL
- Mar 21, 1983MERGEDUnited National Bank merged into First American Bank and Trust of North Palm Beach, FL.FDIC certificate 17682 ends; its business continues under certificate 18002.
- Dec 15, 1989FAILEDFirst American Bank and Trust of North Palm Beach, FL failed, and First American Bank and Trust, National Association of North Palm Beach, FL took it over.FDIC certificate 18002 ends; its business continues under certificate 32729.
- Apr 20, 1990RESOLVEDFirst American Bank and Trust, National Association of North Palm Beach, FL was closed in a federal resolution, and its business passed to Barnett Bank of Palm Beach County of West Palm Beach, FL.FDIC certificate 32729 ends; its business continues under certificate 17018.
- Jun 29, 1996MERGEDBarnett Bank of Palm Beach County of West Palm Beach, FL merged into Barnett Bank, National Association of Jacksonville, FL.FDIC certificate 17018 ends; its business continues under certificate 3566.
- Oct 8, 1998MERGEDBarnett Bank, National Association of Jacksonville, FL merged into NationsBank, National Association of Charlotte, NC.FDIC certificate 3566 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 United National Bank
A lien that was never released
First American Bank and Trust failed on Dec 15, 1989. 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, First American Bank and Trust, National Association). Start with Bank of America, National Association, and ask them to search under the name United National Bank.
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 17682 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.