Bank Branches › Closed and merged banks › New Jersey › Highlands Community Bank, National Association
What happened to Highlands Community Bank, National Association?
Highlands Community Bank, National Association in Clinton, NJ (earlier called Hunterdon National Bank) failed, and Somerset Trust Company of Somerville, NJ took it over on Sep 25, 1992. After 4 more changes of hands, what was Highlands Community Bank, 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.
- 1986Hunterdon National Bank opens in Clinton, NJ
- Nov 1, 1991renamed Highlands Community Bank, National Association
- Sep 25, 1992FAILEDHighlands Community Bank, National Association failed, and Somerset Trust Company of Somerville, NJ took it over.FDIC certificate 26844 ends; its business continues under certificate 9404.
- Oct 29, 1993MERGEDSomerset Trust Company of Somerville, NJ merged into Summit Bank of Summit, NJ.FDIC certificate 9404 ends; its business continues under certificate 8610.
- Jul 13, 1996MERGEDSummit Bank of Summit, NJ merged into United Jersey Bank of Hackensack, NJ.FDIC certificate 8610 ends; its business continues under certificate 550.
- Mar 1, 2001MERGEDUnited Jersey Bank (by then renamed Summit Bank) of Hackensack, NJ merged into Fleet National Bank of Providence, RI.FDIC certificate 550 ends; its business continues under certificate 2558.
- Jun 13, 2005MERGEDFleet 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 Highlands Community Bank, National Association
A lien that was never released
Highlands Community Bank, National Association failed on Sep 25, 1992. 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 Bank of America, National Association, 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, Somerset Trust Company). Start with Bank of America, National Association, and ask them to search under the name Highlands Community Bank, National Association.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
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 Bank of America, National Association. 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.
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 26844 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.