Bank Branches › Closed and merged banks › Utah › Western Savings and Loan Company
What happened to Western Savings and Loan Company?
Western Savings and Loan Company in Salt Lake City, UT was merged into CrossLand Savings, FSB of Cliffside Park, NJ with federal assistance on Mar 31, 1987. After 4 more changes of hands, what was Western Savings and Loan Company is today part of HSBC Bank USA, National Association (Tysons, VA).
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.
- 1892Western Savings and Loan Company opens in Salt Lake City, UT
- Mar 31, 1987ASSISTED MERGERWestern Savings and Loan Company was merged into CrossLand Savings, FSB of Cliffside Park, NJ with federal assistance.FDIC certificate 30681 ends; its business continues under certificate 28457.
- Dec 31, 1993MERGEDCrossLand Savings, FSB of Cliffside Park, NJ merged into CrossLand Federal Savings Bank of New York City, NY.FDIC certificate 28457 ends; its business continues under certificate 33876.
- Feb 29, 1996MERGEDCrossLand Federal Savings Bank of New York City, NY merged into Republic National Bank of New York of New York City, NY.FDIC certificate 33876 ends; its business continues under certificate 19545.
- Dec 31, 1999MERGEDRepublic National Bank of New York (by then renamed Republic Bank of New York) of New York City, NY merged into HSBC Bank USA of Buffalo, NY.FDIC certificate 19545 ends; its business continues under certificate 589.
- Jul 1, 2004MERGEDHSBC Bank USA of Buffalo, NY merged into HSBC Bank USA, National Association of Tysons, VA.FDIC certificate 589 ends; its business continues under certificate 57890.
- TodayOPEN
HSBC Bank USA, National AssociationMain office Tysons, VA · FDIC certificate 57890 · 21 offices in 7 states on June 30, 2026Every HSBC Bank USA, National Association office → Website on file with the FDIC: www.about.us.hsbc.com/hsbc-in-the-usa
If you still have something from Western Savings and Loan Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Western Savings and Loan Company as lienholder, start with HSBC Bank USA, 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.
Western Savings and Loan Company was merged with federal assistance on Mar 31, 1987. 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 HSBC Bank USA, National Association to search for the account under the name Western Savings and Loan Company. 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 HSBC Bank USA, National Association which branch now holds boxes from the Western Savings and Loan Company 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 30681 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.