Bank Branches › Closed and merged banks › North Carolina › First Federal Savings and Loan Association of Charlotte
What happened to First Federal Savings and Loan Association of Charlotte?
First Federal Savings and Loan Association of Charlotte in Charlotte, NC (earlier called First Federal Savings and Loan Association) merged into Security Bank and Trust Company of Salisbury, NC on Sep 25, 1994. After 4 more changes of hands, what was First Federal Savings and Loan Association of Charlotte is today part of Truist Bank (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.
- 1940First Federal Savings and Loan Association opens in Charlotte, NC
- laterrenamed First Federal Savings and Loan Association of Charlotte
- Sep 25, 1994MERGEDFirst Federal Savings and Loan Association of Charlotte merged into Security Bank and Trust Company of Salisbury, NC.FDIC certificate 30113 ends; its business continues under certificate 9859.
- May 20, 1995MERGEDSecurity Bank and Trust Company (by then renamed Security Capital Bank) of Salisbury, NC merged into Central Carolina Bank and Trust Company of Durham, NC.FDIC certificate 9859 ends; its business continues under certificate 2033.
- Dec 31, 2001MERGEDCentral Carolina Bank and Trust Company of Durham, NC merged into National Bank of Commerce of Memphis, TN.FDIC certificate 2033 ends; its business continues under certificate 4978.
- Apr 22, 2005MERGEDNational Bank of Commerce of Memphis, TN merged into SunTrust Bank of Atlanta, GA.FDIC certificate 4978 ends; its business continues under certificate 867.
- Dec 7, 2019MERGEDSunTrust Bank of Atlanta, GA merged into Branch Banking and Trust Company of Charlotte, NC.FDIC certificate 867 ends; its business continues under certificate 9846.
- TodayOPEN
Truist BankMain office Charlotte, NC · FDIC certificate 9846 · 1,928 offices in 18 states on June 30, 2026Every Truist Bank office → Website on file with the FDIC: www.Truist.com
If you still have something from First Federal Savings and Loan Association of Charlotte
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Federal Savings and Loan Association of Charlotte as lienholder, start with Truist Bank. 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 Truist Bank to search for the account under the name First Federal Savings and Loan Association of Charlotte. 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 Truist Bank which branch now holds boxes from the First Federal Savings and Loan Association of Charlotte 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
10 offices filed under this charter in some year from 1994 on. None is still reporting as of June 30, 2026.
| Office | Now |
|---|---|
| 405 Washington StreetRockingham, NC | No longer reported |
| 4777 Sharon RoadCharlotte, NC | No longer reported |
| 6048 East Independence Blvd, Unit 6Charlotte, NC | No longer reported |
| 1057 Providence RoadCharlotte, NC | No longer reported |
| 230 South Tryon StreetCharlotte, NC | No longer reported |
| 1057 Providence RoadCharlotte, NC | No longer reported |
| 4126 Carmel RoadCharlotte, NC | No longer reported |
| 464 Eastway DriveCharlotte, NC | No longer reported |
| 6000 E Independence BlvdCharlotte, NC | No longer reported |
| US Highway 200 N.Biscoe, NC | No longer reported |
Banks folded into First Federal Savings and Loan Association of Charlotte
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Montgomery Savings and Loan AssociationTroy, NC | Sep 30, 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 30113 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.