Bank Branches › Closed and merged banks › Connecticut › Windsor Locks Community Bank, FSL
What happened to Windsor Locks Community Bank, FSL?
Windsor Locks Community Bank, FSL in Windsor Locks, CT (earlier called Windsor Locks Savings and Loan Association Incorporated and 1 other name) merged into Enfield Federal Savings and Loan Association of Enfield, CT on Dec 12, 2003. After 5 more changes of hands, what was Windsor Locks Community Bank, FSL is today part of Manufacturers and Traders Trust Company (Buffalo, NY).
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.
- 1913Windsor Locks Savings and Loan Association Incorporated opens in Windsor Locks, CT
- Feb 28, 1985renamed Windsor Locks Savings and Loan Association
- Mar 29, 2002renamed Windsor Locks Community Bank, FSL
- Dec 12, 2003MERGEDWindsor Locks Community Bank, FSL merged into Enfield Federal Savings and Loan Association of Enfield, CT.FDIC certificate 28101 ends; its business continues under certificate 28051.
- Apr 30, 2009MERGEDEnfield Federal Savings and Loan Association of Enfield, CT merged into Valley Bank of Enfield, CT.FDIC certificate 28051 ends; its business continues under certificate 35378.
- Nov 16, 2012MERGEDValley Bank (by then renamed New England Bank) of Enfield, CT merged into United Bank of West Springfield, MA.FDIC certificate 35378 ends; its business continues under certificate 26486.
- May 1, 2014MERGEDUnited Bank of West Springfield, MA merged into United Bank of Hartford, CT.FDIC certificate 26486 ends; its business continues under certificate 18203.
- Nov 1, 2019MERGEDUnited Bank of Hartford, CT merged into People's United Bank, National Association of Bridgeport, CT.FDIC certificate 18203 ends; its business continues under certificate 27334.
- Apr 2, 2022MERGEDPeople's United Bank, National Association of Bridgeport, CT merged into Manufacturers and Traders Trust Company of Buffalo, NY.FDIC certificate 27334 ends; its business continues under certificate 588.
- TodayOPEN
Manufacturers and Traders Trust CompanyMain office Buffalo, NY · FDIC certificate 588 · 957 offices in 14 states on June 30, 2026Every Manufacturers and Traders Trust Company office → Website on file with the FDIC: www.mtb.com
If you still have something from Windsor Locks Community Bank, FSL
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Windsor Locks Community Bank, FSL as lienholder, start with Manufacturers and Traders Trust Company. 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 Manufacturers and Traders Trust Company to search for the account under the name Windsor Locks Community Bank, FSL. 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 Manufacturers and Traders Trust Company which branch now holds boxes from the Windsor Locks Community Bank, FSL 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
2 offices filed under this charter in some year from 1994 on. None is still reporting as of June 30, 2026.
| Office | Now |
|---|---|
| 124 Main StreetBroad Brook, CT | No longer reported |
| 20-I Main St, P. O. Box 285Windsor Locks, CT | No longer reported |
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 28101 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.