Bank Branches › Closed and merged banks › Washington › Horizon Bank
What happened to Horizon Bank?
Horizon Bank in Bellingham, WA (earlier called Horizon Mutual Savings Bank) failed, and Washington Federal Savings and Loan Association of Seattle, WA took it over on Jan 8, 2010. That bank is now called WaFd Bank (Seattle, WA).
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.
- 1979Horizon Mutual Savings Bank opens in Bellingham, WA
- Aug 19, 1986renamed Horizon Bank
- Jan 8, 2010FAILEDHorizon Bank failed, and Washington Federal Savings and Loan Association of Seattle, WA took it over.FDIC certificate 22977 ends; its business continues under certificate 28088.
- TodayOPEN
WaFd BankMain office Seattle, WA · FDIC certificate 28088 · 212 offices in 9 states on June 30, 2026Every WaFd Bank office → Website on file with the FDIC: www.wafdbank.com
If you still have something from Horizon Bank
A lien that was never released
Horizon Bank failed on Jan 8, 2010. 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 WaFd Bank, 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, Washington Federal Savings and Loan Association). Start with WaFd Bank, and ask them to search under the name Horizon Bank.
For failures since mid-1993 the law sets a clock: insured deposits not claimed within 18 months of the FDIC starting to pay depositors are offered to the state of the depositor's last known address on the bank's records. If the state takes them, the owner has 10 years to claim there before the money returns to the FDIC. Check FDIC unclaimed funds search and that state's unclaimed-property program.
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 WaFd Bank. 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. 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
24 offices filed under this charter in some year from 1994 on. 9 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1500 Cornwall AveBellingham, WA | OpenWaFd Bank |
| 2122 Barkley BlvdBellingham, WA | OpenWaFd Bank |
| 1101 Avenue D, Bldg BSnohomish, WA | OpenWaFd Bank |
| 2045 Main StFerndale, WA | OpenWaFd Bank |
| 12830 Bothell Everett HwyEverett, WA | OpenWaFd Bank |
| 300 Grover StLynden, WA | OpenWaFd Bank |
| 400 H StBlaine, WA | OpenWaFd Bank |
| 3617 88th St NeMarysville, WA | OpenWaFd Bank |
| 9929 Evergreen WayEverett, WA | OpenWaFd Bank |
| 1218 Commercial AvenueAnacortes, WA | No longer reported |
| 130 Fifth Avenue SouthEdmonds, WA | No longer reported |
| 19405 44th Avenue WestLynnwood, WA | No longer reported |
| 4110 Meridian StreetBellingham, WA | No longer reported |
| 211 East Holly StreetBellingham, WA | No longer reported |
| 2211 Rimland Drive, Suite 230Bellingham, WA | No longer reported |
| 413 29th Street Ne, Suite APuyallup, WA | No longer reported |
| 10318 Gravelly Lake Drive SwLakewood, WA | No longer reported |
| 1020 S Burlington BoulevardBurlington, WA | No longer reported |
| 1503 Riverside DriveMount Vernon, WA | No longer reported |
| James and Alabama StreetsBellingham, WA | No longer reported |
| 906 Se Everett Mall, Suite 1Everett, WA | No longer reported |
| 909 Business Centre Park, EvEverett, WA | No longer reported |
| 2625 Meridian StreetBellingham, WA | No longer reported |
| 120 S.W. Everett Nall Way, # 202Everett, WA | No longer reported |
Banks folded into Horizon Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Bank of BellinghamBellingham, WA | Jun 19, 1999 |
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 22977 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.