Bank Branches › Closed and merged banks › Michigan › First of America Bank - Mid Michigan, National Association
What happened to First of America Bank - Mid Michigan, National Association?
First of America Bank - Mid Michigan, National Association in Bay City, MI (earlier called Peoples National Bank & Trust Company of Bay City and 2 other names) merged into First of America Bank - Michigan, National Association of Bannockburn, IL on Dec 31, 1994. After 2 more changes of hands, what was First of America Bank - Mid Michigan, National Association 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.
- 1867Peoples National Bank & Trust Company of Bay City opens in Bay City, MI
- Jul 1, 1984renamed NewCentury Bank - Bay City, National Association
- Jan 1, 1987renamed First of America Bank - Bay City, National Association
- Jul 1, 1989renamed First of America Bank - Mid Michigan, National Association
- Dec 31, 1994MERGEDFirst of America Bank - Mid Michigan, National Association merged into First of America Bank - Michigan, National Association of Bannockburn, IL.FDIC certificate 975 ends; its business continues under certificate 5029.
- Jul 22, 2006MERGEDFirst of America Bank - Michigan, National Association (by then renamed National City Bank of the Midwest) of Bannockburn, IL merged into National City Bank of Cleveland, OH.FDIC certificate 5029 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 First of America Bank - Mid Michigan, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First of America Bank - Mid Michigan, National Association as lienholder, start with PNC 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 PNC Bank, National Association to search for the account under the name First of America Bank - Mid Michigan, National Association. 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 PNC Bank, National Association which branch now holds boxes from the First of America Bank - Mid Michigan, National Association 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
50 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 1111 N Euclid AveBay City, MI | OpenPNC Bank, National Association |
| 655 N Port Crescent StBad Axe, MI | OpenIndependent Bank |
| 201 S Main StFrankenmuth, MI | OpenPNC Bank, National Association |
| 1419 S Mission StMount Pleasant, MI | OpenPNC Bank, National Association |
| 235 W Maple StGladwin, MI | OpenPNC Bank, National Association |
| 2044 S M 76West Branch, MI | OpenPNC Bank, National Association |
| 2322 Tittabawassee RdSaginaw, MI | OpenPNC Bank, National Association |
| 107 E Vienna StClio, MI | OpenPNC Bank, National Association |
| 328 S State StOscoda, MI | OpenPNC Bank, National Association |
| 5270 Gratiot RdSaginaw, MI | OpenPNC Bank, National Association |
| 610 Lafayette AveBay City, MI | OpenPNC Bank, National Association |
| 5200 Eastman AveMidland, MI | OpenPNC Bank, National Association |
| 125 W Saginaw StMerrill, MI | OpenMercantile Bank |
| 6727 Main StCaseville, MI | OpenIndependent Bank |
| 4464 South Huron RoadStandish, MI | No longer reported |
| 1885 Huron RoadEast Tawas, MI | No longer reported |
| 113 West Houghton AvenueWest Branch, MI | No longer reported |
| 409 North Mission StreetMount Pleasant, MI | No longer reported |
| 102 East BroadwayMount Pleasant, MI | No longer reported |
| 4735 Main StreetMillington, MI | No longer reported |
| 9899 Saginaw StreetReese, MI | No longer reported |
| 4761 State StreetGagetown, MI | No longer reported |
| 9323 M-15Richville, MI | No longer reported |
| 1140 South Outer DriveSaginaw, MI | No longer reported |
| 12010 Church StreetBirch Run, MI | No longer reported |
| 202 Pine StreetChesaning, MI | No longer reported |
| 5540 Dixie HighwaySaginaw, MI | No longer reported |
| 255 Mayer RoadFrankenmuth, MI | No longer reported |
| 491 North Main StreetFrankenmuth, MI | No longer reported |
| 235 East Main Street, Suite 110Midland, MI | No longer reported |
| 8025 N Clio RoadMount Morris, MI | No longer reported |
| 4495 Garfield StreetUbly, MI | No longer reported |
| 305 East Huron AvenueBad Axe, MI | No longer reported |
| 47 North Main StreetElkton, MI | No longer reported |
| 25 West Kinde RoadKinde, MI | No longer reported |
| One West Main StreetSebewaing, MI | No longer reported |
| 231 South First StreetHarrison, MI | No longer reported |
| 1045 Pine StreetEssexville, MI | No longer reported |
| 120 West Center StreetLinwood, MI | No longer reported |
| 401 East Midland StreetBay City, MI | No longer reported |
Banks folded into First of America Bank - Mid Michigan, National Association
5 banks merged directly into this charter; counting the banks those had absorbed earlier, 11 charters end up inside it.
| Bank | Ended |
|---|---|
| First of America Bank - OscodaOscoda, MI | Dec 1, 1990 |
| First America Bank - Mt. PleasantMount Pleasant, MI | Oct 1, 1990 |
| First of America Bank - West BranchWest Branch, MI | Aug 1, 1990 |
| First of America Bank - FrankenmuthFrankenmuth, MI | Apr 1, 1990 |
| First of America Bank-Mid-MichiganGladwin, MI | Jul 1, 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 975 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.