Bank Branches › Closed and merged banks › Vermont › The Factory Point National Bank of Manchester Center
What happened to The Factory Point National Bank of Manchester Center?
The Factory Point National Bank of Manchester Center in Manchester Center, VT merged into Berkshire Bank of Pittsfield, MA on Sep 22, 2007. After 1 more change of hands, what was The Factory Point National Bank of Manchester Center is today part of Beacon Bank and Trust (Boston, MA).
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.
- 1883The Factory Point National Bank of Manchester Center opens in Manchester Center, VT
- Sep 22, 2007MERGEDThe Factory Point National Bank of Manchester Center merged into Berkshire Bank of Pittsfield, MA.FDIC certificate 6274 ends; its business continues under certificate 23621.
- Sep 2, 2025MERGEDBerkshire Bank of Pittsfield, MA merged into Beacon Bank and Trust of Boston, MA.FDIC certificate 23621 ends; its business continues under certificate 17798.
- TodayOPEN
Beacon Bank and TrustMain office Boston, MA · FDIC certificate 17798 · 150 offices in 5 states on June 30, 2026Every Beacon Bank and Trust office → Website on file with the FDIC: www.beaconbank.com
If you still have something from The Factory Point National Bank of Manchester Center
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The Factory Point National Bank of Manchester Center as lienholder, start with Beacon Bank and Trust. 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 Beacon Bank and Trust to search for the account under the name The Factory Point National Bank of Manchester Center. 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 Beacon Bank and Trust which branch now holds boxes from the The Factory Point National Bank of Manchester Center 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
8 offices filed under this charter in some year from 1994 on. 5 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 22 West StRutland, VT | OpenBeacon Bank and Trust |
| 3450 Richville RoadManchester Center, VT | OpenBeacon Bank and Trust |
| 152 Main StLudlow, VT | OpenBeacon Bank and Trust |
| 4912 Main StManchester Center, VT | OpenBeacon Bank and Trust |
| 3816 Vermont Route 7aArlington, VT | OpenBeacon Bank and Trust |
| 143 Woodstock AvenueRutland, VT | No longer reported |
| 23 Church StreetDorset, VT | No longer reported |
| 270 River StreetSpringfield, VT | No longer reported |
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 6274 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.