Bank Branches › Closed and merged banks › North Carolina › First South Bank
What happened to First South Bank?
First South Bank in Washington, NC (earlier called Home Savings and Loan Association and 2 other names) merged into CresCom Bank of Charleston, SC on Nov 1, 2017. After 1 more change of hands, what was First South Bank is today part of United Bank (Fairfax, 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.
- 1902Home Savings and Loan Association opens in Washington, NC
- May 22, 1992renamed Home Savings Bank, SSB
- Apr 7, 1997renamed NewSouth Bank
- Nov 30, 1999renamed First South Bank
- Nov 1, 2017MERGEDFirst South Bank merged into CresCom Bank of Charleston, SC.FDIC certificate 31084 ends; its business continues under certificate 57135.
- May 1, 2020MERGEDCresCom Bank of Charleston, SC merged into United Bank of Fairfax, VA.FDIC certificate 57135 ends; its business continues under certificate 22858.
- TodayOPEN
United BankMain office Fairfax, VA · FDIC certificate 22858 · 235 offices in 9 states on June 30, 2026Every United Bank office → Website on file with the FDIC: www.bankwithunited.com
If you still have something from First South Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First South Bank as lienholder, start with United 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 United Bank to search for the account under the name First South 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 United Bank which branch now holds boxes from the First South 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
47 offices filed under this charter in some year from 1994 on. 27 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 4309 Fayetteville RdLumberton, NC | OpenUnited Bank |
| 300 N Market StWashington, NC | OpenUnited Bank |
| 2901 Sunset AveRocky Mount, NC | OpenUnited Bank |
| 1311 Carolina AveWashington, NC | OpenUnited Bank |
| 241 Green StFayetteville, NC | OpenUnited Bank |
| 4913 Arendell StMorehead City, NC | OpenUnited Bank |
| 4800 Six Forks RdRaleigh, NC | OpenUnited Bank |
| 201 W Broad StElizabethtown, NC | OpenUnited Bank |
| 907 E. Firetower RoadGreenville, NC | OpenUnited Bank |
| 301 E Arlington BlvdGreenville, NC | OpenUnited Bank |
| 705 Executive PlFayetteville, NC | OpenUnited Bank |
| 47560 Highway 12Buxton, NC | OpenUnited Bank |
| 117 E Southerland StWallace, NC | OpenUnited Bank |
| 2999 Us Highway 17 SChocowinity, NC | OpenUnited Bank |
| 1725 S Glenburnie RdNew Bern, NC | OpenUnited Bank |
| 1612 Military Cutoff RdWilmington, NC | OpenUnited Bank |
| 3105 N Croatan HwyKill Devil Hills, NC | OpenUnited Bank |
| 1600 Tarboro St WWilson, NC | OpenUnited Bank |
| 1900 W Vernon AveKinston, NC | OpenUnited Bank |
| 4215 University Dr, Ste 01Durham, NC | OpenUnited Bank |
| 213 N Chestnut StMount Olive, NC | OpenUnited Bank |
| 1378 Benvenue RdRocky Mount, NC | OpenUnited Bank |
| 412 S Front StNew Bern, NC | OpenUnited Bank |
| 3103 N Main StHope Mills, NC | OpenUnited Bank |
| 2801 Cashwell DrGoldsboro, NC | OpenUnited Bank |
| 604 E Ehringhaus StElizabeth City, NC | OpenUnited Bank |
| 1707 Se Greenville BlvdGreenville, NC | OpenUnited Bank |
| 1067 Brentway Avenue, Suite 136Williamston, NC | No longer reported |
| 100 East Hope Lodge StreetTarboro, NC | No longer reported |
| 1328 John Small AvenueWashington, NC | No longer reported |
| 11560 Nc Highway 55, Suite 11Grantsboro, NC | No longer reported |
| 3000 North Elm StreetLumberton, NC | No longer reported |
| 104 Limestone StreetKenansville, NC | No longer reported |
| 4804 North Croatan HighwayKitty Hawk, NC | No longer reported |
| 600 N. Chestnut St.Lumberton, NC | No longer reported |
| 300 Sunset AvenueRocky Mount, NC | No longer reported |
| 2430 Heritage StreetKinston, NC | No longer reported |
| 2236 South Croatan HwyNags Head, NC | No longer reported |
| 2601 Irongate Drive, Suite 102Wilmington, NC | No longer reported |
| 3635 North Halifax RoadDortches, NC | No longer reported |
Banks folded into First South Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Home Federal Savings and Loan AssociationFayetteville, NC | Nov 30, 1999 |
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 31084 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.