Bank Branches › Closed and merged banks › North Carolina › SouthTrust Bank of North Carolina
What happened to SouthTrust Bank of North Carolina?
SouthTrust Bank of North Carolina in Concord, NC (earlier called C K Savings and Loan Association and 3 other names) merged into SouthTrust Bank, National Association of Birmingham, AL on Jun 2, 1997. After 2 more changes of hands, what was SouthTrust Bank of North Carolina is today part of Wells Fargo Bank, National Association (Sioux Falls, SD).
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.
- 1888C K Savings and Loan Association opens in Concord, NC
- Jul 31, 1985renamed C K Federal Savings and Loan Association
- Dec 11, 1992renamed SouthTrust Bank F.S.B.
- Aug 9, 1993renamed SouthTrust Bank of Central Carolina
- May 31, 1996renamed SouthTrust Bank of North Carolina
- Jun 2, 1997MERGEDSouthTrust Bank of North Carolina merged into SouthTrust Bank, National Association of Birmingham, AL.FDIC certificate 31164 ends; its business continues under certificate 849.
- Jan 3, 2005MERGEDSouthTrust Bank, National Association (by then renamed SouthTrust Bank) of Birmingham, AL merged into Wachovia Bank, National Association of Charlotte, NC.FDIC certificate 849 ends; its business continues under certificate 33869.
- Mar 20, 2010MERGEDWachovia Bank, National Association of Charlotte, NC merged into Wells Fargo Bank, National Association of Sioux Falls, SD.FDIC certificate 33869 ends; its business continues under certificate 3511.
- TodayOPEN
Wells Fargo Bank, National AssociationMain office Sioux Falls, SD · FDIC certificate 3511 · 4,157 offices in 40 states on June 30, 2026Every Wells Fargo Bank, National Association office → Website on file with the FDIC: www.wellsfargo.com
If you still have something from SouthTrust Bank of North Carolina
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows SouthTrust Bank of North Carolina as lienholder, start with Wells Fargo 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.
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 Wells Fargo Bank, National Association to search for the account under the name SouthTrust Bank of North Carolina. 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 Wells Fargo Bank, National Association which branch now holds boxes from the SouthTrust Bank of North Carolina 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
28 offices filed under this charter in some year from 1994 on. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1501 S Cannon BlvdKannapolis, NC | OpenWells Fargo Bank, National Association |
| 475 River HwyMooresville, NC | OpenWells Fargo Bank, National Association |
| 10630 Providence RdCharlotte, NC | OpenWells Fargo Bank, National Association |
| 3500 W Millbrook RdRaleigh, NC | OpenWells Fargo Bank, National Association |
| 1710 Sardis Road, NorthCharlotte, NC | No longer reported |
| 4011 Park RoadCharlotte, NC | No longer reported |
| 6011 Albemarle RoadCharlotte, NC | No longer reported |
| 112 South Tryon StreetCharlotte, NC | No longer reported |
| 800 East Arrowood RoadCharlotte, NC | No longer reported |
| 8700 University Execuitve PaCharlotte, NC | No longer reported |
| 9620 Pineville-Matthews RoadPineville, NC | No longer reported |
| 5604 Cliff Cameron Drive, Suite 100Charlotte, NC | No longer reported |
| 7421 Carmel Executive ParkCharlotte, NC | No longer reported |
| 716 Jake Alexander BoulevardSalisbury, NC | No longer reported |
| 7801 Falls Of Neuse RdRaleigh, NC | No longer reported |
| 5500 Six Forks RoadRaleigh, NC | No longer reported |
| 4505 Falls Of The Neuse RoadRaleigh, NC | No longer reported |
| 7541 Creedmoor RoadRaleigh, NC | No longer reported |
| 1140 Kildaire Farms RoadCary, NC | No longer reported |
| 212 East Main StreetBrevard, NC | No longer reported |
| 317 Oak StreetSpindale, NC | No longer reported |
| 6501 Wilkinson BoulevardBelmont, NC | No longer reported |
| 750 South New Hope RoadGastonia, NC | No longer reported |
| 319 North Main StreetFallston, NC | No longer reported |
| US Highway 29 NorthConcord, NC | No longer reported |
| 109 South Main StreetKannapolis, NC | No longer reported |
| 684 Plaza DriveMooresville, NC | No longer reported |
| 802 Green Valley Road, Suite 212Greensboro, NC | No longer reported |
Banks folded into SouthTrust Bank of North Carolina
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| SouthTrust Bank of North Carolina, National AssociationRaleigh, NC | May 31, 1996 |
| First State Savings and Loan Association, IncorporatedGastonia, NC | Nov 30, 1988 |
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 31164 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.