Bank Branches › Closed and merged banks › Virginia › Essex Bank
What happened to Essex Bank?
Essex Bank in Richmond, VA (earlier called Bank of Essex) merged into United Bank of Fairfax, VA on Dec 4, 2021. United Bank is open today.
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.
- 1926Bank of Essex opens in Richmond, VA
- Apr 20, 2009renamed Essex Bank
- Dec 4, 2021MERGEDEssex Bank merged into United Bank of Fairfax, VA.FDIC certificate 8675 ends; its business continues under certificate 22858.
- TodayOPEN
United BankMain office Fairfax, VA · FDIC certificate 22858 · 235 offices in 9 states on June 30, 2026Every United Bank office → Website on file with the FDIC: www.bankwithunited.com
If you still have something from Essex Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Essex Bank as lienholder, start with United Bank. 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 United Bank to search for the account under the name Essex 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 United Bank which branch now holds boxes from the Essex 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
37 offices filed under this charter in some year from 1994 on. 25 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 4581 Atlanta HwyLoganville, GA | OpenBank OZK |
| 2238 Main St ESnellville, GA | OpenBank OZK |
| 2320 Anderson HwyPowhatan, VA | OpenUnited Bank |
| 100 Broad Street RdManakin Sabot, VA | OpenUnited Bank |
| 1325 Tappahannock BlvdTappahannock, VA | OpenUnited Bank |
| 217 East Main StLouisa, VA | OpenUnited Bank |
| 4935 Richmond Tappahannock HwyManquin, VA | OpenUnited Bank |
| 6315 Mechanicsville TpkeMechanicsville, VA | OpenUnited Bank |
| 1681 Main StreetWest Point, VA | OpenUnited Bank |
| 2120 Baldwin AveCrofton, MD | OpenUnited Bank |
| 1949 Sandy Hook RdGoochland, VA | OpenUnited Bank |
| 2001 Grayson HwyGrayson, GA | OpenBank OZK |
| 9951 Brook RdGlenn Allen, VA | OpenUnited Bank |
| 9954 Mayland Dr, Ste 2100Richmond, VA | OpenUnited Bank |
| 1835 West StAnnapolis, MD | OpenUnited Bank |
| 3740 Winterfield RdMidlothian, VA | OpenUnited Bank |
| 6143 High Bridge RdBowie, MD | OpenUnited Bank |
| 3638 Old Forest RdLynchburg, VA | OpenUnited Bank |
| 654 Northumberland HwyCallao, VA | OpenUnited Bank |
| 14750 Northumberland HighwayBurgess, VA | OpenUnited Bank |
| 21437 Timberlake RdLynchburg, VA | OpenUnited Bank |
| 12640 Stone Village WayMidlothian, VA | OpenUnited Bank |
| 1230 Race RdBaltimore, MD | OpenUnited Bank |
| 2703 Buford RdRichmond, VA | OpenUnited Bank |
| 12254 West Broad MarketplaceHenrico, VA | OpenUnited Bank |
| 1101 Nelson StreetRockville, MD | No longer reported |
| 3062 Solomons Island RdEdgewater, MD | No longer reported |
| 1496 Anderson HighwayCumberland, VA | No longer reported |
| 1460 Ritchie HighwayArnold, MD | No longer reported |
| 10509 Judical Drive, Suite 301Fairfax, VA | No longer reported |
| 323 Prince StreetTappahannock, VA | No longer reported |
| 1000 Ingleside AveCatonsville, MD | No longer reported |
| 7467 Annapolis RoadLandover Hills, MD | No longer reported |
| 10105 Hwy 142Covington, GA | No longer reported |
| 9023 Woodyard RoadClinton, MD | No longer reported |
| 744 North Lee HighwayLexington, VA | No longer reported |
| U.S. Highway 17/360Tappahannock, VA | No longer reported |
Banks folded into Essex Bank
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 7 charters end up inside it.
| Bank | Ended |
|---|---|
| Suburban Federal Savings BankCrofton, MD | Jan 30, 2009 |
| The Community BankLoganville, GA | Nov 21, 2008 |
| Transcommunity Bank, National AssociationGoochland, VA | Aug 1, 2008 |
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 8675 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.