Bank Branches › Closed and merged banks › Massachusetts › BayBank, National Association
What happened to BayBank, National Association?
BayBank, National Association in Boston, MA (earlier called BayBank Trust Company and 2 other names) merged into BankBoston, National Association of Providence, RI on May 23, 1997. After 1 more change of hands, what was BayBank, National Association 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.
- 1894BayBank Trust Company opens in Boston, MA
- Dec 8, 1983renamed BayBank Middlesex
- Oct 24, 1991renamed BayBank
- Oct 31, 1995renamed BayBank, National Association
- May 23, 1997MERGEDBayBank, National Association merged into BankBoston, National Association of Providence, RI.FDIC certificate 23564 ends; its business continues under certificate 2558.
- Jun 13, 2005MERGEDBankBoston, National Association (by then renamed Fleet National Bank) of Providence, RI merged into Bank of America, National Association of Charlotte, NC.FDIC certificate 2558 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 BayBank, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows BayBank, National Association as lienholder, start with Bank of America, 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 Bank of America, National Association to search for the account under the name BayBank, National Association. 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 Bank of America, National Association which branch now holds boxes from the BayBank, National Association 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
243 offices filed under this charter in some year from 1994 on. None is still reporting as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 23 Main StreetAndover, MA | No longer reported |
| 165 Cabot StreetBeverly, MA | No longer reported |
| 19-21 West StreetBeverly, MA | No longer reported |
| Super Stop and Shop, 37 Enon StreetBeverly, MA | No longer reported |
| 81 Elm StreetDanvers, MA | No longer reported |
| 38 East Main StreetGeorgetown, MA | No longer reported |
| Walnut RoadHamilton, MA | No longer reported |
| 1 Merrimack Street, Merrimack Squre BuildingHaverhill, MA | No longer reported |
| Route 114Lawrence, MA | No longer reported |
| 1 State StreetLynn, MA | No longer reported |
| Salem and Summer StreetsLynnfield, MA | No longer reported |
| 89 Pleasant StreetMarblehead, MA | No longer reported |
| Merrimack Plaza, Route 110 Haverhill StreetMethuen, MA | No longer reported |
| 2 State StreetNewburyport, MA | No longer reported |
| 154 Main StreetNorth Andover, MA | No longer reported |
| 193 Washington StreetSalem, MA | No longer reported |
| Super Stop and Shop, 450 Paradise RoadSwampscott, MA | No longer reported |
| Purity Supermarket, Route 134Dennis, MA | No longer reported |
| Davis Straits and Jones RoadFalmouth, MA | No longer reported |
| 749 Main StreetHyannis, MA | No longer reported |
| 1282 Springfield StreetAgawam, MA | No longer reported |
| 51 Springfield StreetAgawam, MA | No longer reported |
| 591 Memorial DriveChicopee, MA | No longer reported |
| Super Stop & Shop, Memorial Drive, Route 33Chicopee, MA | No longer reported |
| 21-23 North Main StreetEast Longmeadow, MA | No longer reported |
| 1277 Liberty StreetEast Springfield, MA | No longer reported |
| 1632 Northampton StreetHolyoke, MA | No longer reported |
| 734 Bliss RoadLongmeadow, MA | No longer reported |
| 119 Winsor StreetLudlow, MA | No longer reported |
| 1287 Liberty StreetSpringfield, MA | No longer reported |
| 1500 Main StreetSpringfield, MA | No longer reported |
| 1530 Boston Post Road, Route 20Springfield, MA | No longer reported |
| 1989 Wilbraham RoadSpringfield, MA | No longer reported |
| 3061 Main StreetSpringfield, MA | No longer reported |
| 315 Boston RoadSpringfield, MA | No longer reported |
| 37 Harrison AvenueSpringfield, MA | No longer reported |
| 555 State StreetSpringfield, MA | No longer reported |
| 590 Sumner AvenueSpringfield, MA | No longer reported |
| 225 Memorial AvenueWest Springfield, MA | No longer reported |
| Riverdale Shops, 935 Riverdale Road, Route 5West Springfield, MA | No longer reported |
Banks folded into BayBank, National Association
13 banks merged directly into this charter; counting the banks those had absorbed earlier, 23 charters end up inside it.
| Bank | Ended |
|---|---|
| BayBank NH, National AssociationBurlington, MA | May 23, 1997 |
| BayBank Boston, National AssociationBoston, MA | Oct 31, 1995 |
| Southstate Bank for SavingsBrockton, MA | Apr 24, 1992 |
| BayBank Harvard Trust CompanyCambridge, MA | Oct 24, 1991 |
| BayBank First Easthampton, N.A.Easthampton, MA | Oct 24, 1991 |
| BayBank Valley Trust CompanySpringfield, MA | Oct 24, 1991 |
| BayBank SouthDedham, MA | Oct 24, 1991 |
| The Home National Bank of MilfordMilford, MA | Jun 1, 1990 |
| BayBank Merrimack Valley, N. A.Andover, MA | Mar 3, 1990 |
| BayBank and Trust CompanyBeverly, MA | Jul 1, 1983 |
| BayBank Winchester Trust CompanyWinchester, MA | Oct 10, 1981 |
| BayBank Middlesex, N. A.Burlington, MA | Nov 10, 1979 |
| The Union Market National Bank of WatertownWatertown, MA | Jul 6, 1976 |
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 23564 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.