Bank Branches › Closed and merged banks › Tennessee › United Guaranty Federal Savings Bank
What happened to United Guaranty Federal Savings Bank?
United Guaranty Federal Savings Bank in Tullahoma, TN (earlier called United Guaranty Savings and Loan Association Incorporated) was closed in a federal resolution, and its business passed to Franklin County Bank of Winchester, TN on May 4, 1990. After 2 more changes of hands, what was United Guaranty Federal Savings Bank is today part of Regions Bank (Birmingham, AL).
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.
- 1974United Guaranty Savings and Loan Association Incorporated opens in Tullahoma, TN
- Aug 31, 1984renamed United Guaranty Federal Savings Bank
- May 4, 1990RESOLVEDUnited Guaranty Federal Savings Bank was closed in a federal resolution, and its business passed to Franklin County Bank of Winchester, TN.FDIC certificate 31829 ends; its business continues under certificate 9183. The FDIC's failure list dates the failure Mar 9, 1989.
- Jul 15, 1994MERGEDFranklin County Bank of Winchester, TN merged into Regions Bank of Tennessee of Nashville, TN.FDIC certificate 9183 ends; its business continues under certificate 33764.
- Aug 9, 1997MERGEDRegions Bank of Tennessee of Nashville, TN merged into Regions Bank of Birmingham, AL.FDIC certificate 33764 ends; its business continues under certificate 12368.
- TodayOPEN
Regions BankMain office Birmingham, AL · FDIC certificate 12368 · 1,245 offices in 16 states on June 30, 2026Every Regions Bank office → Website on file with the FDIC: www.regions.com
If you still have something from United Guaranty Federal Savings Bank
A lien that was never released
United Guaranty Federal Savings Bank failed on Mar 9, 1989, handled by the Resolution Trust Corporation, the agency that closed failed savings institutions from 1989 to 1995. The FDIC's lien-release page covers failed banks and savings and loans placed in FDIC receivership; it does not say how releases work for resolutions this old.
Call FDIC Resolution Inquiries at 888-206-4662 (8am–4pm Central, weekdays) and ask whether the FDIC holds this institution's receivership. Ask Regions Bank as well: the chain above leads there. The FDIC's own instructions are at FDIC, Obtaining a Lien Release.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, Franklin County Bank). Start with Regions Bank, and ask them to search under the name United Guaranty Federal Savings Bank.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Regions Bank. A box abandoned for years may have been 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 31829 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.