Bank Branches › Closed and merged banks › Colorado › Railway Savings and Loan Association
What happened to Railway Savings and Loan Association?
Railway Savings and Loan Association in Pueblo, CO was merged into Midland Federal Savings and Loan Association of Denver, CO with federal assistance on Mar 31, 1976. After 5 more changes of hands, what was Railway Savings and Loan Association is today part of U.S. Bank National Association (Cincinnati, OH).
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.
- 1901Railway Savings and Loan Association opens in Pueblo, CO
- Mar 31, 1976ASSISTED MERGERRailway Savings and Loan Association was merged into Midland Federal Savings and Loan Association of Denver, CO with federal assistance.FDIC certificate 29970 ends; its business continues under certificate 29908.
- Jul 31, 1984MERGEDMidland Federal Savings and Loan Association of Denver, CO merged into Western Federal Savings and Loan Association of Denver, CO.FDIC certificate 29908 ends; its business continues under certificate 28736.
- Jul 24, 1993MERGEDWestern Federal Savings and Loan Association (by then renamed Bank Western National Association) of Denver, CO merged into Colorado National Bank of Denver, CO.FDIC certificate 28736 ends; its business continues under certificate 3010.
- Jun 1, 1997MERGEDColorado National Bank of Denver, CO merged into First Bank National Association of Minneapolis, MN.FDIC certificate 3010 ends; its business continues under certificate 5199.
- Jul 11, 1997MERGEDFirst Bank National Association of Minneapolis, MN merged into First National Bank of East Grand Forks of Minneapolis, MN.FDIC certificate 5199 ends; its business continues under certificate 5134.
- Aug 9, 2001MERGEDFirst National Bank of East Grand Forks (by then renamed U.S. Bank National Association) of Minneapolis, MN merged into U.S. Bank National Association of Cincinnati, OH.FDIC certificate 5134 ends; its business continues under certificate 6548.
- TodayOPEN
U.S. Bank National AssociationMain office Cincinnati, OH · FDIC certificate 6548 · 2,097 offices in 29 states on June 30, 2026Every U.S. Bank National Association office → Website on file with the FDIC: www.usbank.com
If you still have something from Railway Savings and Loan Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Railway Savings and Loan Association as lienholder, start with U.S. 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.
Railway Savings and Loan Association was merged with federal assistance on Mar 31, 1976. The FDIC's limit on lien releases is for mergers without government assistance, so FDIC Resolution Inquiries (888-206-4662, 8am–4pm Central, weekdays) can tell you whether it holds anything for this bank.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask U.S. Bank National Association to search for the account under the name Railway Savings and Loan 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 U.S. Bank National Association which branch now holds boxes from the Railway Savings and Loan 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.
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 29970 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.