Bank Branches › Closed and merged banks › Florida › Bay Federal Savings Bank
What happened to Bay Federal Savings Bank?
Bay Federal Savings Bank in West Palm Beach, FL was closed in a federal resolution, and its business passed to Fidelity Federal Savings Bank of Florida of West Palm Beach, FL on Jul 15, 1994. After 2 more changes of hands, what was Bay Federal Savings Bank is today part of PNC Bank, National Association (Wilmington, DE).
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.
- 1991Bay Federal Savings Bank opens in West Palm Beach, FL
- Jul 15, 1994RESOLVEDBay Federal Savings Bank was closed in a federal resolution, and its business passed to Fidelity Federal Savings Bank of Florida of West Palm Beach, FL.FDIC certificate 33494 ends; its business continues under certificate 30614.
- Apr 14, 2007MERGEDFidelity Federal Savings Bank of Florida (by then renamed Fidelity Federal Bank & Trust) of West Palm Beach, FL merged into National City Bank of Cleveland, OH.FDIC certificate 30614 ends; its business continues under certificate 6557.
- Nov 6, 2009MERGEDNational City Bank of Cleveland, OH merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 6557 ends; its business continues under certificate 6384.
- TodayOPEN
PNC Bank, National AssociationMain office Wilmington, DE · FDIC certificate 6384 · 2,401 offices in 28 states on June 30, 2026Every PNC Bank, National Association office → Website on file with the FDIC: www.pnc.com
If you still have something from Bay Federal Savings Bank
A lien that was never released
Bay Federal Savings Bank was closed in a federal resolution on Jul 15, 1994. 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 PNC Bank, 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, Fidelity Federal Savings Bank of Florida). Start with PNC Bank, National Association, and ask them to search under the name Bay 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 PNC Bank, 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. 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
1 office filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 3989 Forest Hill BlvdWest Palm Beach, FL | OpenPNC Bank, National Association |
Banks folded into Bay Federal Savings Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Bay Savings BankWest Palm Beach, FL | Sep 6, 1991 |
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 33494 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.