Bank Branches › Closed and merged banks › Washington › Whidbey Island Bank
What happened to Whidbey Island Bank?
Whidbey Island Bank in Coupeville, WA merged into Heritage Bank of Olympia, WA on May 1, 2014. Heritage Bank is open today.
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.
- 1961Whidbey Island Bank opens in Coupeville, WA
- May 1, 2014MERGEDWhidbey Island Bank merged into Heritage Bank of Olympia, WA.FDIC certificate 18412 ends; its business continues under certificate 29012.
- TodayOPEN
Heritage BankMain office Olympia, WA · FDIC certificate 29012 · 67 offices in 3 states on June 30, 2026Every Heritage Bank office → Website on file with the FDIC: www.heritagebanknw.com
If you still have something from Whidbey Island Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Whidbey Island Bank as lienholder, start with Heritage 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 Heritage Bank to search for the account under the name Whidbey Island Bank. 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 Heritage Bank which branch now holds boxes from the Whidbey Island Bank 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. The office list below shows which bank each office reports under now.
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 ▾
Its offices in the FDIC deposit reports
35 offices filed under this charter in some year from 1994 on. 18 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 2202 Commercial AveAnacortes, WA | OpenHeritage Bank |
| 450 Sw Bayshore DrOak Harbor, WA | OpenHeritage Bank |
| 5590 Harbor AveFreeland, WA | OpenHeritage Bank |
| 1800 S Burlington BlvdBurlington, WA | OpenHeritage Bank |
| 20333 Ballinger Way NeShoreline, WA | OpenHeritage Bank |
| 265 York StBellingham, WA | OpenHeritage Bank |
| 4220-172nd Street NortheastArlington, WA | OpenHeritage Bank |
| 11832 Mukilteo SpeedwayMukilteo, WA | OpenHeritage Bank |
| 401 N Main StCoupeville, WA | OpenHeritage Bank |
| 19510 58th Ave WLynnwood, WA | OpenHeritage Bank |
| 165 Mcelroy DrCamano Island, WA | OpenHeritage Bank |
| 1504 132nd St SeMill Creek, WA | OpenHeritage Bank |
| 535 Market St, Ste AFriday Harbor, WA | OpenHeritage Bank |
| 105 1st St, # 101Langley, WA | OpenHeritage Bank |
| 920 W Bakerview RdBellingham, WA | OpenHeritage Bank |
| 1700 Urban AveMount Vernon, WA | OpenHeritage Bank |
| 26317 72nd Ave NwStanwood, WA | OpenHeritage Bank |
| 1031 State AveMarysville, WA | OpenHeritage Bank |
| 675 Ne Midway BlvdOak Harbor, WA | No longer reported |
| 8786 Sr 525Clinton, WA | No longer reported |
| 5615 Evergreen WayEverett, WA | No longer reported |
| 629 Sr 9 NeLake Stevens, WA | No longer reported |
| 20611 Bothell-Everett HwyBothell, WA | No longer reported |
| 15 Sw Everett Mall WayEverett, WA | No longer reported |
| 14807 Hwy 99Lynnwood, WA | No longer reported |
| 5006 132nd Street SeSnohomish, WA | No longer reported |
| 2504 East Bakerview RoadBellingham, WA | No longer reported |
| 1318 12th StreetBellingham, WA | No longer reported |
| 18840 8th Avenue, N.W.Shoreline, WA | No longer reported |
| 13930 Northeast Mill Place, Suite 112Woodinville, WA | No longer reported |
| 339 Ferry StreetSedro-Woolley, WA | No longer reported |
| 20115 74th Avenue Ne, Suite 2Arlington, WA | No longer reported |
| 3617 172nd Street NeArlington, WA | No longer reported |
| 370 Ne Camano Dr Suite 2Camano Island, WA | No longer reported |
| 2843 East Howard RoadClinton, WA | No longer reported |
Banks folded into Whidbey Island Bank
2 banks merged directly into this charter; counting the banks those had absorbed earlier, 3 charters end up inside it.
| Bank | Ended |
|---|---|
| North County BankArlington, WA | Sep 24, 2010 |
| City BankLynnwood, WA | Apr 16, 2010 |
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 18412 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.