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What happened to Royal Palm Savings Bank?
Royal Palm Savings Bank in West Palm Beach, FL (earlier called Royal Palm Savings Association) was merged into Royal Palm Federal Savings and Loan Association of West Palm Beach, FL with federal assistance on Jul 19, 1989. After 4 more changes of hands, what was Royal Palm Savings Bank is today part of Bank of America, National Association (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.
- 1983Royal Palm Savings Association opens in West Palm Beach, FL
- Feb 29, 1988renamed Royal Palm Savings Bank
- Jul 19, 1989ASSISTED MERGERRoyal Palm Savings Bank was merged into Royal Palm Federal Savings and Loan Association of West Palm Beach, FL with federal assistance.FDIC certificate 32160 ends; its business continues under certificate 32678.
- Jun 8, 1990RESOLVEDRoyal Palm Federal Savings and Loan Association of West Palm Beach, FL was closed in a federal resolution, and its business passed to Barnett Bank of Palm Beach County of West Palm Beach, FL.FDIC certificate 32678 ends; its business continues under certificate 17018.
- Jun 29, 1996MERGEDBarnett Bank of Palm Beach County of West Palm Beach, FL merged into Barnett Bank, National Association of Jacksonville, FL.FDIC certificate 17018 ends; its business continues under certificate 3566.
- Oct 8, 1998MERGEDBarnett Bank, National Association of Jacksonville, FL merged into NationsBank, National Association of Charlotte, NC.FDIC certificate 3566 ends; its business continues under certificate 15802.
- Jul 23, 1999MERGEDNationsBank, National Association (by then renamed Bank of America, National Association) of Charlotte, NC merged into Bank of America National Trust and Savings Association of Charlotte, NC.FDIC certificate 15802 ends; its business continues under certificate 3510.
- TodayOPEN
Bank of America, National AssociationMain office Charlotte, NC · FDIC certificate 3510 · 3,598 offices in 39 states on June 30, 2026Every Bank of America, National Association office → Website on file with the FDIC: www.bankofamerica.com
If you still have something from Royal Palm Savings Bank
A lien that was never released
Royal Palm Federal Savings and Loan Association was closed in a federal resolution on Jun 8, 1990. 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 Bank of America, National Association 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, Barnett Bank of Palm Beach County). Start with Bank of America, National Association, and ask them to search under the name Royal Palm 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 Bank of America, National Association. 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 32160 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.