Bank Branches › Closed and merged banks › Alabama › Muscle Shoals National Bank
What happened to Muscle Shoals National Bank?
Muscle Shoals National Bank in Muscle Shoals, AL merged into Southern Bank of Lauderdale County of Florence, AL on May 6, 1982. After 3 more changes of hands, what was Muscle Shoals National Bank is today part of Wells Fargo Bank, National Association (Sioux Falls, SD).
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.
- 1965Muscle Shoals National Bank opens in Muscle Shoals, AL
- May 6, 1982MERGEDMuscle Shoals National Bank merged into Southern Bank of Lauderdale County of Florence, AL.FDIC certificate 19376 ends; its business continues under certificate 9048.
- Jan 13, 1995MERGEDSouthern Bank of Lauderdale County (by then renamed SouthTrust Bank of the Quad Cities) of Florence, AL merged into SouthTrust Bank of Alabama, National Association of Birmingham, AL.FDIC certificate 9048 ends; its business continues under certificate 849.
- Jan 3, 2005MERGEDSouthTrust Bank of Alabama, National Association (by then renamed SouthTrust Bank) of Birmingham, AL merged into Wachovia Bank, National Association of Charlotte, NC.FDIC certificate 849 ends; its business continues under certificate 33869.
- Mar 20, 2010MERGEDWachovia Bank, National Association of Charlotte, NC merged into Wells Fargo Bank, National Association of Sioux Falls, SD.FDIC certificate 33869 ends; its business continues under certificate 3511.
- TodayOPEN
Wells Fargo Bank, National AssociationMain office Sioux Falls, SD · FDIC certificate 3511 · 4,157 offices in 40 states on June 30, 2026Every Wells Fargo Bank, National Association office → Website on file with the FDIC: www.wellsfargo.com
If you still have something from Muscle Shoals National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Muscle Shoals National Bank as lienholder, start with Wells Fargo Bank, National Association. 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 Wells Fargo Bank, National Association to search for the account under the name Muscle Shoals National 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 Wells Fargo Bank, National Association which branch now holds boxes from the Muscle Shoals National 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.
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 19376 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.