Bank Branches › Closed and merged banks › Michigan › Monroe Bank & Trust
What happened to Monroe Bank & Trust?
Monroe Bank & Trust in Monroe, MI merged into First Merchants Bank of Muncie, IN on Sep 1, 2019. First Merchants 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.
- 1905Monroe Bank & Trust opens in Monroe, MI
- Sep 1, 2019MERGEDMonroe Bank & Trust merged into First Merchants Bank of Muncie, IN.FDIC certificate 12181 ends; its business continues under certificate 4365.
- TodayOPEN
First Merchants BankMain office Muncie, IN · FDIC certificate 4365 · 129 offices in 3 states on June 30, 2026Every First Merchants Bank office → Website on file with the FDIC: www.firstmerchants.com
If you still have something from Monroe Bank & Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Monroe Bank & Trust as lienholder, start with First Merchants 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 First Merchants Bank to search for the account under the name Monroe Bank & Trust. 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 First Merchants Bank which branch now holds boxes from the Monroe Bank & Trust 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
29 offices filed under this charter in some year from 1994 on. 13 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 10 Washington StMonroe, MI | OpenFirst Merchants Bank |
| 1204 N Monroe StMonroe, MI | OpenFirst Merchants Bank |
| 14581 S Dixie HwyMonroe, MI | OpenFirst Merchants Bank |
| 12633 Grafton RdCarleton, MI | OpenFirst Merchants Bank |
| 9007 Lewis AveTemperance, MI | OpenFirst Merchants Bank |
| 2517 Fort StWyandotte, MI | OpenFirst Merchants Bank |
| 28417 Telegraph RdFlat Rock, MI | OpenFirst Merchants Bank |
| 1500 N Custer RdMonroe, MI | OpenFirst Merchants Bank |
| 7341 Secor RdLambertville, MI | OpenFirst Merchants Bank |
| 2917 Lewis AveIda, MI | OpenFirst Merchants Bank |
| 14690 S Sanford RdMilan, MI | OpenFirst Merchants Bank |
| 123 Helle BlvdDundee, MI | OpenFirst Merchants Bank |
| 7146 Pelham RdTaylor, MI | OpenFirst Merchants Bank |
| 2410 West RdTrenton, MI | No longer reported |
| 201 East Main StNorthville, MI | No longer reported |
| 706 South Main StPlymouth, MI | No longer reported |
| 3805 North Dixie HighwayMonroe, MI | No longer reported |
| 9796 South Dixie HighwayErie, MI | No longer reported |
| 15 Center StreetPetersburg, MI | No longer reported |
| 12754 N. Dixie HighwaySouth Rockwood, MI | No longer reported |
| 467 Eureka RdWyandotte, MI | No longer reported |
| 14077 South Custer RoadDundee, MI | No longer reported |
| 1000 South Monroe StreetMonroe, MI | No longer reported |
| 6560 Lewis AvenueTemperance, MI | No longer reported |
| 8799 Swan Creek RoadNewport, MI | No longer reported |
| 6000 North Monroe StreetMonroe, MI | No longer reported |
| 750 South Raisinville RoadMonroe, MI | No longer reported |
| 1102 East First StMonroe, MI | No longer reported |
| 2121 North Monroe StreetMonroe, MI | No longer reported |
Banks folded into Monroe Bank & Trust
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Main Street BankNorthville, MI | Oct 10, 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 12181 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.