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Bank Branches › Closed and merged banks › Virginia › Central Fidelity National Bank

FDIC certificate 19887 · Richmond, VA

What happened to Central Fidelity National Bank?

Central Fidelity National Bank in Richmond, VA (earlier called Fidelity American Bank and 4 other names) merged into Wachovia Bank, National Association of Winston-Salem, NC on Mar 20, 1998. After 2 more changes of hands, what was Central Fidelity National Bank is today part of Wells Fargo Bank, National Association (Sioux Falls, SD).

1969
opened
1998
merged away
6
names it used
3
steps to today's bank

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.

  1. 1969
    Fidelity American Bank opens in Richmond, VA
  2. Aug 31, 1970
    renamed People's Bank of Virginia Beach
  3. Oct 4, 1976
    renamed Fidelity American Bank, Virginia Beach
  4. Oct 1, 1978
    renamed Fidelity American Bank
  5. May 1, 1980
    renamed Central Fidelity Bank
  6. Dec 31, 1993
    renamed Central Fidelity National Bank
  7. Mar 20, 1998
    MERGEDCentral Fidelity National Bank merged into Wachovia Bank, National Association of Winston-Salem, NC.FDIC certificate 19887 ends; its business continues under certificate 817.
  8. Apr 1, 2002
    MERGEDWachovia Bank, National Association of Winston-Salem, NC merged into Wachovia Bank, National Association of Charlotte, NC.FDIC certificate 817 ends; its business continues under certificate 33869.
  9. Mar 20, 2010
    MERGEDWachovia 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.
  10. Today
    OPEN
    Wells Fargo Bank, National AssociationMain office Sioux Falls, SD · FDIC certificate 3511 · 4,157 offices in 40 states on June 30, 2026

    Every Wells Fargo Bank, National Association office →   Website on file with the FDIC: www.wellsfargo.com

If you still have something from Central Fidelity National Bank

A lien that was never released

If a paid-off mortgage, home-equity line or car loan still shows Central Fidelity 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 Central Fidelity 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 Central Fidelity 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. 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

264 offices filed under this charter in some year from 1994 on. 45 are still open as of June 30, 2026. Showing 40.

OfficeLast filed under itNow
1021 E Cary StRichmond, VA1997OpenWells Fargo Bank, National Association
920 University City BlvdBlacksburg, VA1997OpenWells Fargo Bank, National Association
125 Independence BlvdVirginia Beach, VA1997OpenWells Fargo Bank, National Association
501 Elden StHerndon, VA1997OpenWells Fargo Bank, National Association
2000 Colonial AveNorfolk, VA1997OpenWells Fargo Bank, National Association
1608 Laskin RdVirginia Beach, VA1997OpenWells Fargo Bank, National Association
9801 W Broad StGlen Allen, VA1997OpenWells Fargo Bank, National Association
5797 Leesburg PikeFalls Church, VA1997OpenWells Fargo Bank, National Association
17967 Forest RdForest, VA1997OpenWells Fargo Bank, National Association
3300 Pump RdRichmond, VA1997OpenWells Fargo Bank, National Association
13716 Smoketown RdWoodbridge, VA1997OpenWells Fargo Bank, National Association
13530 Midlothian TpkeMidlothian, VA1997OpenWells Fargo Bank, National Association
2125 General Booth BlvdVirginia Beach, VA1997OpenWells Fargo Bank, National Association
3408 Candlers Mountain RdLynchburg, VA1997OpenWells Fargo Bank, National Association
6441 Chesterfield Meadows DrChesterfield, VA1997OpenWells Fargo Bank, National Association
3300 Halifax RdSouth Boston, VA1997OpenWells Fargo Bank, National Association
11781 Lee Jackson Memorial HwyFairfax, VA1997OpenWells Fargo Bank, National Association
2304 Langhorne RdLynchburg, VA1997OpenWells Fargo Bank, National Association
101 Amory LnYorktown, VA1997OpenWells Fargo Bank, National Association
1800 Chamberlayne AveRichmond, VA1997OpenWells Fargo Bank, National Association
5803 Grove AveRichmond, VA1997OpenWells Fargo Bank, National Association
4110 Brambleton AveRoanoke, VA1997OpenTruist Bank
21513 Timberlake RdLynchburg, VA1997OpenWells Fargo Bank, National Association
900 Frederick BlvdPortsmouth, VA1997OpenWells Fargo Bank, National Association
8101 Brook RdRichmond, VA1997OpenWells Fargo Bank, National Association
104 Market Place DrHampton, VA1997OpenWells Fargo Bank, National Association
7085 Mechanicsville TpkeMechanicsville, VA1997OpenWells Fargo Bank, National Association
118 Amelon SqMadison Heights, VA1997OpenWells Fargo Bank, National Association
9026 Forest Hill AveRichmond, VA1997OpenWells Fargo Bank, National Association
2946 Chain Bridge RdOakton, VA1997OpenWells Fargo Bank, National Association
3346 Riverside DrDanville, VA1997OpenWells Fargo Bank, National Association
1390 Gaskins RdRichmond, VA1997OpenWells Fargo Bank, National Association
3490 Seminole TrlCharlottesville, VA1997OpenWells Fargo Bank, National Association
2821 Shore DrVirginia Beach, VA1997OpenWells Fargo Bank, National Association
2903 Gallows RdFalls Church, VA1997OpenWells Fargo Bank, National Association
201 N Main StSuffolk, VA1997OpenWells Fargo Bank, National Association
127 N Main StFarmville, VA1997OpenWells Fargo Bank, National Association
2264 Hunters Woods PlzReston, VA1997OpenWells Fargo Bank, National Association
114 Moses AveAppomattox, VA1997OpenWells Fargo Bank, National Association
1064 George Washington Hwy NChesapeake, VA1997OpenWells Fargo Bank, National Association

Banks folded into Central Fidelity National Bank

13 banks merged directly into this charter; counting the banks those had absorbed earlier, 35 charters end up inside it.

BankEndedHow
Central Fidelity Bank, National AssociationHenrico County, VASep 18, 1995merged
Investors Federal Savings BankRichmond, VAJul 10, 1992failed
The First National Bank of PoquosonPoquoson, VAJun 3, 1985merged
Central Fidelity BankChristiansburg, VAFeb 19, 1985merged
Central Fidelity Bank, National Association, SouthwestAbingdon, VASep 4, 1984merged
Central Fidelity Bank, National Association, LynchburgLynchburg, VAFeb 21, 1984merged
Rappahannock BankFredericksburg, VADec 5, 1983merged
Central Fidelity Bank, National AssociationRichmond, VANov 14, 1983merged
The First National Bank of YorktownYorktown, VAJul 2, 1979merged
Fidelity American Bank, Eastern ShoreParksley, VAMar 1, 1979merged
Fidelity American Bank Na, TidewaterPortsmouth, VAOct 1, 1978merged
Fidelity American Bank, Hampton RoadsNewport News, VAOct 1, 1978merged
Fidelity American Bank, WilliamsburgWilliamsburg, VAOct 1, 1978merged

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 19887 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.