Bank Branches › Closed and merged banks › Michigan › First of America Bank - Thumb Area
What happened to First of America Bank - Thumb Area?
First of America Bank - Thumb Area in Bad Axe, MI (earlier called Community Bank and 1 other name) merged into First of America Bank - Frankenmuth of Frankenmuth, MI on Jan 1, 1989. After 4 more changes of hands, what was First of America Bank - Thumb Area 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.
- 1886Community Bank opens in Bad Axe, MI
- Jul 1, 1984renamed NewCentury Bank - Thumb
- Jan 1, 1987renamed First of America Bank - Thumb Area
- Jan 1, 1989MERGEDFirst of America Bank - Thumb Area merged into First of America Bank - Frankenmuth of Frankenmuth, MI.FDIC certificate 10550 ends; its business continues under certificate 988.
- Apr 1, 1990MERGEDFirst of America Bank - Frankenmuth of Frankenmuth, MI merged into First of America Bank - Mid Michigan, National Association of Bay City, MI.FDIC certificate 988 ends; its business continues under certificate 975.
- Dec 31, 1994MERGEDFirst of America Bank - Mid Michigan, National Association of Bay City, MI 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 - Thumb Area
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First of America Bank - Thumb Area 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 - Thumb Area. 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 - Thumb Area 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.
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 ▾
Banks folded into First of America Bank - Thumb Area
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| First of America Bank-Bay AreaSebewaing, MI | Aug 1, 1987 |
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 10550 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.