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What happened to First Florida Savings Bank, F.S.B.?
First Florida Savings Bank, F.S.B. in Miami, FL (earlier called First Tropical Savings Bank FSB) merged into First Union National Bank of Florida of Jacksonville, FL on Apr 1, 1995. After 3 more changes of hands, what was First Florida Savings Bank, F.S.B. 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.
- 1989First Tropical Savings Bank FSB opens in Miami, FL
- Feb 1, 1990renamed First Florida Savings Bank, F.S.B.
- Apr 1, 1995MERGEDFirst Florida Savings Bank, F.S.B. merged into First Union National Bank of Florida of Jacksonville, FL.FDIC certificate 32651 ends; its business continues under certificate 24398.
- Jun 5, 1997MERGEDFirst Union National Bank of Florida of Jacksonville, FL merged into First Union National Bank of Charlotte, NC.FDIC certificate 24398 ends; its business continues under certificate 4885.
- Feb 26, 1998MERGEDFirst Union National Bank of Charlotte, NC merged into First Union National Bank of Charlotte, NC.FDIC certificate 4885 ends; its business continues under certificate 33869.
- Mar 20, 2010MERGEDFirst Union National Bank (by then renamed Wachovia 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 First Florida Savings Bank, F.S.B.
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Florida Savings Bank, F.S.B. 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 First Florida Savings Bank, F.S.B.. 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 First Florida Savings Bank, F.S.B. 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
3 offices filed under this charter in some year from 1994 on. None is still reporting as of June 30, 2026.
| Office | Now |
|---|---|
| 4343 West Flagler StreetMiami, FL | No longer reported |
| 1455 West 49th StreetHialeah, FL | No longer reported |
| 18488 N.W. 67th AvenueMiami, FL | No longer reported |
Banks folded into First Florida Savings Bank, F.S.B.
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Tropical Federal Savings and Loan AssociationMiami, FL | Apr 30, 1989 |
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 32651 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.