Bank Branches › Closed and merged banks › Wisconsin › Heritage Bank Beloit
What happened to Heritage Bank Beloit?
Heritage Bank Beloit in Beloit, WI (earlier called The Beloit State Bank) merged into Heritage Bank Beloit of Beloit, WI on Dec 30, 1982. After 3 more changes of hands, what was Heritage Bank Beloit is today part of BMO Bank National Association (Chicago, IL).
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.
- 1892The Beloit State Bank opens in Beloit, WI
- Apr 24, 1978renamed Heritage Bank Beloit
- Dec 30, 1982MERGEDHeritage Bank Beloit merged into Heritage Bank Beloit of Beloit, WI.FDIC certificate 11622 ends; its business continues under certificate 19552.
- Jul 1, 1997MERGEDHeritage Bank Beloit (by then renamed M&I Bank of Beloit) of Beloit, WI merged into M&I Bank South of Janesville, WI.FDIC certificate 19552 ends; its business continues under certificate 6190.
- May 1, 2001MERGEDM&I Bank South of Janesville, WI merged into M&I Marshall and Ilsley Bank of Milwaukee, WI.FDIC certificate 6190 ends; its business continues under certificate 1020.
- Jul 5, 2011MERGEDM&I Marshall and Ilsley Bank of Milwaukee, WI merged into Harris National Association of Chicago, IL.FDIC certificate 1020 ends; its business continues under certificate 16571.
- TodayOPEN
BMO Bank National AssociationMain office Chicago, IL · FDIC certificate 16571 · 988 offices in 23 states on June 30, 2026Every BMO Bank National Association office → Website on file with the FDIC: www.bmo.com
If you still have something from Heritage Bank Beloit
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Heritage Bank Beloit as lienholder, start with BMO 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 BMO Bank National Association to search for the account under the name Heritage Bank Beloit. 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 BMO Bank National Association which branch now holds boxes from the Heritage Bank Beloit 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 ▾
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 11622 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.