Bank Branches › Closed and merged banks › Michigan › First of America Bank-West Michigan, National Association
What happened to First of America Bank-West Michigan, National Association?
First of America Bank-West Michigan, National Association in Grand Rapids, MI (earlier called Mutual Home Federal Savings and Loan Association and 2 other names) merged into First of America Bank-Michigan, National Association of Bannockburn, IL on Mar 31, 1995. After 2 more changes of hands, what was First of America Bank-West Michigan, National Association is today part of PNC Bank, National Association (Wilmington, DE).
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.
- 1888Mutual Home Federal Savings and Loan Association opens in Grand Rapids, MI
- May 31, 1985renamed Mutual Home Federal Savings Bank
- Apr 1, 1991renamed First of America Bank-West Michigan
- Mar 31, 1995renamed First of America Bank-West Michigan, National Association
- Mar 31, 1995MERGEDFirst of America Bank-West Michigan, National Association merged into First of America Bank-Michigan, National Association of Bannockburn, IL.FDIC certificate 28628 ends; its business continues under certificate 5029.
- Jul 22, 2006MERGEDFirst of America Bank-Michigan, National Association (by then renamed National City Bank of the Midwest) of Bannockburn, IL merged into National City Bank of Cleveland, OH.FDIC certificate 5029 ends; its business continues under certificate 6557.
- Nov 6, 2009MERGEDNational City Bank of Cleveland, OH merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 6557 ends; its business continues under certificate 6384.
- TodayOPEN
PNC Bank, National AssociationMain office Wilmington, DE · FDIC certificate 6384 · 2,401 offices in 28 states on June 30, 2026Every PNC Bank, National Association office → Website on file with the FDIC: www.pnc.com
If you still have something from First of America Bank-West Michigan, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First of America Bank-West Michigan, National Association as lienholder, start with PNC 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 PNC Bank, National Association to search for the account under the name First of America Bank-West Michigan, 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 PNC Bank, National Association which branch now holds boxes from the First of America Bank-West Michigan, 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
36 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1717 S Westnedge AveKalamazoo, MI | OpenPNC Bank, National Association |
| 1375 Whitehall RdMuskegon, MI | OpenPNC Bank, National Association |
| 878 W Norton AveMuskegon, MI | OpenPNC Bank, National Association |
| 12353 James StHolland, MI | OpenPNC Bank, National Association |
| 3415 Lake Eastbrook Blvd SeGrand Rapids, MI | OpenPNC Bank, National Association |
| 1453 E Laketon AveMuskegon, MI | OpenPNC Bank, National Association |
| 119 S Mears AveWhitehall, MI | OpenPNC Bank, National Association |
| 5601 28th St SeGrand Rapids, MI | OpenPNC Bank, National Association |
| 978 Washington AveHolland, MI | OpenPNC Bank, National Association |
| 1101 Robbins RdGrand Haven, MI | OpenPNC Bank, National Association |
| 4566 W Us Highway 10Ludington, MI | OpenPNC Bank, National Association |
| 501 E Division StRockford, MI | OpenPNC Bank, National Association |
| 220 28th St SwWyoming, MI | OpenPNC Bank, National Association |
| 6448 Airline RoadFruitport Township, MI | OpenThe Shelby State Bank |
| 2424 East Apple AvenueMuskegon, MI | No longer reported |
| 2351 Holton RoadMuskegon, MI | No longer reported |
| 715 Terrace Street, Suite 100Muskegon, MI | No longer reported |
| 3055 Heights-Ravenna RoadMuskegon, MI | No longer reported |
| 821 West BroadwayMuskegon, MI | No longer reported |
| 1070 Peck StreetMuskegon, MI | No longer reported |
| 829 Lincoln AvenueHollond, MI | No longer reported |
| 130 East Ludington AvenueLudington, MI | No longer reported |
| U.S. 10Custer, MI | No longer reported |
| 3950 Plainfield Ave NeGrand Rapids, MI | No longer reported |
| 3500 Alpine N.W.Grand Rapids, MI | No longer reported |
| 2905 Wilson Avenue, S.W.Grandville, MI | No longer reported |
| 2380 44th Street, S.E.Kentwood, MI | No longer reported |
| 2137 Wealthy Street, S.E.Grand Rapids, MI | No longer reported |
| 4364 Lake Michigan Drive, N.W.Grand Rapids, MI | No longer reported |
| 6225 Kalamazoo Avenue, S.E.Grand Rapids, MI | No longer reported |
| 102 West Main StreetBelding, MI | No longer reported |
| 190 West Lakewood BoulevardHolland, MI | No longer reported |
| 1 West 8th StreetHolland, MI | No longer reported |
| 250 South State StreetZeeland, MI | No longer reported |
| 2020 Baldwin Dr SwJenison, MI | No longer reported |
| State and Russell StreetsHart Township, MI | No longer reported |
Banks folded into First of America Bank-West Michigan, National Association
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 4 charters end up inside it.
| Bank | Ended |
|---|---|
| First of America Bank-MuskegonMuskegon, MI | Nov 1, 1991 |
| First of America Bank - Holland, National AssociationHolland, MI | Apr 1, 1991 |
| Belding Savings and Loan AssociationBelding, MI | Jan 31, 1982 |
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 28628 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.