Bank Branches › Closed and merged banks › Pennsylvania › Willow Financial Bank
What happened to Willow Financial Bank?
Willow Financial Bank in Wayne, PA (earlier called Willow Grove Federal Savings and Loan Association and 1 other name) merged into The Harleysville National Bank and Trust Company of Harleysville, PA on Dec 6, 2008. After 2 more changes of hands, what was Willow Financial Bank is today part of KeyBank National Association (Cleveland, 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.
- 1909Willow Grove Federal Savings and Loan Association opens in Wayne, PA
- May 15, 1995renamed Willow Grove Bank
- Sep 28, 2006renamed Willow Financial Bank
- Dec 6, 2008MERGEDWillow Financial Bank merged into The Harleysville National Bank and Trust Company of Harleysville, PA.FDIC certificate 30089 ends; its business continues under certificate 7516.
- Apr 9, 2010MERGEDThe Harleysville National Bank and Trust Company of Harleysville, PA merged into First Niagara Bank, National Association of Buffalo, NY.FDIC certificate 7516 ends; its business continues under certificate 16004.
- Oct 8, 2016MERGEDFirst Niagara Bank, National Association of Buffalo, NY merged into KeyBank National Association of Cleveland, OH.FDIC certificate 16004 ends; its business continues under certificate 17534.
- TodayOPEN
KeyBank National AssociationMain office Cleveland, OH · FDIC certificate 17534 · 951 offices in 16 states on June 30, 2026Every KeyBank National Association office → Website on file with the FDIC: www.key.com
If you still have something from Willow Financial Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Willow Financial Bank as lienholder, start with KeyBank 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 KeyBank National Association to search for the account under the name Willow Financial Bank. 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 KeyBank National Association which branch now holds boxes from the Willow Financial Bank 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
39 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 701 Twining RdDresher, PA | OpenKeyBank National Association |
| 9 Easton RdWillow Grove, PA | OpenKeyBank National Association |
| 761 Huntingdon PikeHuntingdon Valley, PA | OpenKeyBank National Association |
| 11730 Bustleton AvenuePhiladelphia, PA | No longer reported |
| 11730 Bustleton AvePhiladelphia, PA | No longer reported |
| 8200 Castor AvePhiladelphia, PA | No longer reported |
| 9869 Bustleton AvePhiladelphia, PA | No longer reported |
| 735 Davisville RoadSouthampton, PA | No longer reported |
| 1555 West Street RoadWarminster, PA | No longer reported |
| 220 East Street RoadFeasterville, PA | No longer reported |
| 735 Davisville RdSouthampton, PA | No longer reported |
| 1141 Ivyland RoadWarminster, PA | No longer reported |
| 1555 W Street RdWarminster, PA | No longer reported |
| 119 Pennsylvania AvenueAvondale, PA | No longer reported |
| 300 Simpson DriveChester Springs, PA | No longer reported |
| 102 Airport RoadCoatesville, PA | No longer reported |
| 112 East Lincoln HighwayCoatesville, PA | No longer reported |
| 414 Lancaster AvenueDevon, PA | No longer reported |
| 100 East Lancaster AvenueDowningtown, PA | No longer reported |
| 3909 Lincoln HighwayDowningtown, PA | No longer reported |
| 82 Quarry RoadDowningtown, PA | No longer reported |
| 601 N. Pottstown PikeExton, PA | No longer reported |
| 200 W. Lancaster AvenueFrazer, PA | No longer reported |
| 838 East Baltimore PikeKennett Square, PA | No longer reported |
| 499 N. 3rd StreetOxford, PA | No longer reported |
| 1197 Wilmington PikeWest Chester, PA | No longer reported |
| 16 East Market StreetWest Chester, PA | No longer reported |
| 2 North York RoadHatboro, PA | No longer reported |
| 1331 Easton RoadRoslyn, PA | No longer reported |
| 170 South Warner Road, Ste 100Wayne, PA | No longer reported |
| 701 Twining RdDresher, PA | No longer reported |
| 2 North York RdHatboro, PA | No longer reported |
| 761 Huntingdon PikeHuntingdon Valley, PA | No longer reported |
| 122 N Main StNorth Wales, PA | No longer reported |
| 1331 Easton RdRoslyn, PA | No longer reported |
| 170 S. Warner RoadWayne, PA | No longer reported |
| 9 Easton RdWillow Grove, PA | No longer reported |
| 1452 Buck RdHolland, PA | No longer reported |
| 11730 Bustleton AvePhiladelphia, PA | No longer reported |
Banks folded into Willow Financial Bank
2 banks merged directly into this charter; counting the banks those had absorbed earlier, 3 charters end up inside it.
| Bank | Ended |
|---|---|
| First Financial BankDowningtown, PA | Aug 31, 2005 |
| Abraham Lincoln Federal Savings AssociationDresher, PA | Mar 25, 1994 |
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 30089 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.