Bank Branches › Closed and merged banks › North Carolina › First Charter Bank
What happened to First Charter Bank?
First Charter Bank in Charlotte, NC (earlier called The Concord National Bank and 1 other name) merged into Fifth Third Bank, National Association of Nashville, TN on Jun 7, 2008. After 1 more change of hands, what was First Charter Bank is today part of Fifth Third Bank, National Association (Cincinnati, OH).
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.
- 1888The Concord National Bank opens in Charlotte, NC
- Aug 1, 1984renamed First Charter National Bank
- Jun 23, 2001renamed First Charter Bank
- Jun 7, 2008MERGEDFirst Charter Bank merged into Fifth Third Bank, National Association of Nashville, TN.FDIC certificate 4886 ends; its business continues under certificate 32712.
- Sep 30, 2009MERGEDFifth Third Bank, National Association of Nashville, TN merged into Fifth Third Bank of Cincinnati, OH.FDIC certificate 32712 ends; its business continues under certificate 6672.
- TodayOPEN
Fifth Third Bank, National AssociationMain office Cincinnati, OH · FDIC certificate 6672 · 1,513 offices in 15 states on June 30, 2026Every Fifth Third Bank, National Association office → Website on file with the FDIC: www.53.com
If you still have something from First Charter Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Charter Bank as lienholder, start with Fifth Third 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 Fifth Third Bank, National Association to search for the account under the name First Charter Bank. 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 Fifth Third Bank, National Association which branch now holds boxes from the First Charter Bank 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
77 offices filed under this charter in some year from 1994 on. 40 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 212 S Tryon StCharlotte, NC | OpenFifth Third Bank, National Association |
| 1625 E Woodlawn RdCharlotte, NC | OpenFifth Third Bank, National Association |
| 40 Cabarrus Ave EConcord, NC | OpenFifth Third Bank, National Association |
| 141 Williamson RdMooresville, NC | OpenFifth Third Bank, National Association |
| 2402 West Roosevelt Bvld.Monroe, NC | OpenFifth Third Bank, National Association |
| 7116 Matthews Mint Hill RdMint Hill, NC | OpenFifth Third Bank, National Association |
| 7471 E Cross DrDenver, NC | OpenFifth Third Bank, National Association |
| 402 E Main StLincolnton, NC | OpenFifth Third Bank, National Association |
| 535 Gilead RdHuntersville, NC | OpenFifth Third Bank, National Association |
| 567 N Broad StBrevard, NC | OpenFifth Third Bank, National Association |
| 8100 Kensington DrWaxhaw, NC | OpenFifth Third Bank, National Association |
| 139 S Central AveLandis, NC | OpenFifth Third Bank, National Association |
| 1818 Matthews Township PkwyMatthews, NC | OpenFifth Third Bank, National Association |
| 329 N Main StMooresville, NC | OpenFifth Third Bank, National Association |
| 4725 Nc Highway 49 SHarrisburg, NC | OpenFifth Third Bank, National Association |
| 7530 Pineville Matthews RdCharlotte, NC | OpenFifth Third Bank, National Association |
| 5692 E Nc 150 HwyMaiden, NC | OpenFifth Third Bank, National Association |
| 606 S Main StKannapolis, NC | OpenFifth Third Bank, National Association |
| 316 S Lafayette StShelby, NC | OpenFifth Third Bank, National Association |
| 128 Montreat RdBlack Mountain, NC | OpenFifth Third Bank, National Association |
| 124 S Main StDavidson, NC | OpenFifth Third Bank, National Association |
| 20301 W Catawba AveCornelius, NC | OpenFifth Third Bank, National Association |
| 4240 Old Monroe RdIndian Trail, NC | OpenFifth Third Bank, National Association |
| 981 Highway 29 SConcord, NC | OpenFifth Third Bank, National Association |
| 2755 Old Milton Pkwy Bldg 600, Ste 150Alpharetta, GA | OpenFifth Third Bank, National Association |
| 406 S Main StSparta, NC | OpenFifth Third Bank, National Association |
| 402 S Jefferson AveWest Jefferson, NC | OpenFifth Third Bank, National Association |
| 10400 Mallard Creek Rd, Ste 100Charlotte, NC | OpenFifth Third Bank, National Association |
| 1667 Tynecastle HwyBanner Elk, NC | OpenFifth Third Bank, National Association |
| 4411 Highway 24 27 EMidland, NC | OpenFifth Third Bank, National Association |
| 16719 Birkdale Commons PkwyHuntersville, NC | OpenFifth Third Bank, National Association |
| 7210 Tryon RdCary, NC | OpenFifth Third Bank, National Association |
| 5330 Sunset RdCharlotte, NC | OpenFifth Third Bank, National Association |
| 300 W Main StForest City, NC | OpenFifth Third Bank, National Association |
| 8601 J M Keynes DrCharlotte, NC | OpenFifth Third Bank, National Association |
| 225 S Sharon Amity RdCharlotte, NC | OpenFifth Third Bank, National Association |
| 13731 Providence RdWeddington, NC | OpenSouthState Bank, National Association |
| 165 Nash StLawrenceville, GA | OpenFifth Third Bank, National Association |
| 5601 Reddman RdCharlotte, NC | OpenFifth Third Bank, National Association |
| 1145 Hwy 70 WestGarner, NC | OpenFifth Third Bank, National Association |
Banks folded into First Charter Bank
9 banks merged directly into this charter; counting the banks those had absorbed earlier, 11 charters end up inside it.
| Bank | Ended |
|---|---|
| Gwinnett Banking CompanyLawrenceville, GA | Mar 1, 2007 |
| Lincoln Bank of North CarolinaLincolnton, NC | Jun 15, 2000 |
| Community Bank & Trust Co.Rutherfordton, NC | May 18, 2000 |
| Cabarrus Bank of North CarolinaConcord, NC | May 18, 2000 |
| Home Federal Savings and Loan AssociationCharlotte, NC | Mar 18, 1999 |
| Bank of UnionMonroe, NC | Sep 10, 1998 |
| Carolina State BankShelby, NC | Dec 22, 1997 |
| Merchants & Farmers BankLandis, NC | Jan 23, 1987 |
| Citizens National Bank of ConcordConcord, NC | Aug 1, 1984 |
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 4886 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.