Bank Branches › Closed and merged banks › Massachusetts › Cape Cod Bank and Trust, National Association
What happened to Cape Cod Bank and Trust, National Association?
Cape Cod Bank and Trust, National Association in Hyannis, MA (earlier called Cape Cod Bank and Trust Company) merged into BankNorth, National Association of Wilmington, DE on Apr 30, 2004. That bank is now called TD 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.
- 1916Cape Cod Bank and Trust Company opens in Hyannis, MA
- Sep 1, 1999renamed Cape Cod Bank and Trust, National Association
- Apr 30, 2004MERGEDCape Cod Bank and Trust, National Association merged into BankNorth, National Association of Wilmington, DE.FDIC certificate 10538 ends; its business continues under certificate 18409.
- TodayOPEN
TD Bank, National AssociationMain office Wilmington, DE · FDIC certificate 18409 · 1,050 offices in 16 states on June 30, 2026Every TD Bank, National Association office → Website on file with the FDIC: www.td.com/us/en/personal-banking/
If you still have something from Cape Cod Bank and Trust, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Cape Cod Bank and Trust, National Association as lienholder, start with TD 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 TD Bank, National Association to search for the account under the name Cape Cod Bank and Trust, 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 TD Bank, National Association which branch now holds boxes from the Cape Cod Bank and Trust, 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
39 offices filed under this charter in some year from 1994 on. 8 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 249 Worcester CtFalmouth, MA | OpenTD Bank, National Association |
| 1095 Route 28South Yarmouth, MA | OpenTD Bank, National Association |
| 119 Route 6aSandwich, MA | OpenTD Bank, National Association |
| 40 Main StOrleans, MA | OpenTD Bank, National Association |
| 536 Main StHarwich Port, MA | OpenTD Bank, National Association |
| 237 Main StWareham, MA | OpenTD Bank, National Association |
| 519 Route 134South Dennis, MA | OpenTD Bank, National Association |
| 103 Shank Painter RdProvincetown, MA | OpenTD Bank, National Association |
| 1708 Falmouth RdCenterville, MA | No longer reported |
| Route 6a and Underpass RoadBrewster, MA | No longer reported |
| 2 Barlows Landing RdPocasset, MA | No longer reported |
| 307 Main StreetHyannis, MA | No longer reported |
| 38 Nathan Ellis HighwayMashpee, MA | No longer reported |
| 835 Main StreetOsterville, MA | No longer reported |
| 693 Main StreetChatham, MA | No longer reported |
| 121 Main StreetBuzzards Bay, MA | No longer reported |
| 700 Main StreetDennis, MA | No longer reported |
| 397 Palmer AvenueFalmouth, MA | No longer reported |
| Airport Rotary Circle, Rte. 28Hyannis, MA | No longer reported |
| 50 Brackett, Village Green Shopping PlazaNorth Eastham, MA | No longer reported |
| Route 6 and Main StreetWellfleet, MA | No longer reported |
| 3206 Main StreetBarnstable, MA | No longer reported |
| 350 Front StreetMarion, MA | No longer reported |
| Workshop Road and Station AvSouth Yarmouth, MA | No longer reported |
| Skaket Corners Shopping CentOrleans, MA | No longer reported |
| 170 Commercial StreetProvincetown, MA | No longer reported |
| 64 Kings CircuitYarmouth Port, MA | No longer reported |
| Super Stop and Shop Route 39East Harwich, MA | No longer reported |
| Route 38 and Jones RoadFalmouth, MA | No longer reported |
| 65 Independence HighwayHyannis, MA | No longer reported |
| 3848 Falmouth RoadMarstons Mills, MA | No longer reported |
| Route 6aOrleans, MA | No longer reported |
| Super Stop & Shop, 64 RouteSandwich, MA | No longer reported |
| 500 Route 134South Dennis, MA | No longer reported |
| 55 Long Pond DriveSouth Yarmouth, MA | No longer reported |
| 242 Main StWareham, MA | No longer reported |
| 100 Cable RoadNorth Eastham, MA | No longer reported |
| 763 Main StreetFalmouth, MA | No longer reported |
| 874 Gifford RdFalmouth, MA | No longer reported |
Banks folded into Cape Cod Bank and Trust, National Association
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| The Buzzards Bay National BankBuzzards Bay, MA | May 16, 1974 |
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 10538 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.