Bank Branches › Closed and merged banks › Michigan › Chemical Bank Bay Area
What happened to Chemical Bank Bay Area?
Chemical Bank Bay Area in Bay City, MI (earlier called Bay City Bank & Trust Company and 1 other name) merged into Chemical Bank and Trust Company of Detroit, MI on Jan 1, 2001. After 2 more changes of hands, what was Chemical Bank Bay Area is today part of The Huntington National Bank (Columbus, OH).
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.
- 1871Bay City Bank & Trust Company opens in Bay City, MI
- Aug 20, 1979renamed Manufacturers Bank of Bay City
- Aug 1, 1987renamed Chemical Bank Bay Area
- Jan 1, 2001MERGEDChemical Bank Bay Area merged into Chemical Bank and Trust Company of Detroit, MI.FDIC certificate 12733 ends; its business continues under certificate 1003.
- Aug 1, 2019MERGEDChemical Bank and Trust Company (by then renamed Chemical Bank) of Detroit, MI merged into TCF National Bank of Sioux Falls, SD.FDIC certificate 1003 ends; its business continues under certificate 28330.
- Jun 9, 2021MERGEDTCF National Bank of Sioux Falls, SD merged into The Huntington National Bank of Columbus, OH.FDIC certificate 28330 ends; its business continues under certificate 6560.
- TodayOPEN
The Huntington National BankMain office Columbus, OH · FDIC certificate 6560 · 1,452 offices in 21 states on June 30, 2026Every The Huntington National Bank office → Website on file with the FDIC: www.huntington.com
If you still have something from Chemical Bank Bay Area
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Chemical Bank Bay Area as lienholder, start with The Huntington National 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 The Huntington National Bank to search for the account under the name Chemical Bank Bay 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 The Huntington National Bank which branch now holds boxes from the Chemical Bank Bay 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. 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
22 offices filed under this charter in some year from 1994 on. 7 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 100 Chippewa StKawkawlin, MI | OpenThe Huntington National Bank |
| 21 E Main StBay City, MI | OpenThe Huntington National Bank |
| 3101 Center AveEssexville, MI | OpenThe Huntington National Bank |
| 3533 Wilder RdBay City, MI | OpenThe Huntington National Bank |
| 220 S Main StStandish, MI | OpenHorizon Bank |
| 144 W Huron RdAu Gres, MI | OpenHorizon Bank |
| 600 Washington AveBay City, MI | OpenThe Huntington National Bank |
| 4464 South Huron RoadStandish, MI | No longer reported |
| 311 Harrison StreetPrescott, MI | No longer reported |
| 3858 N M 13Pinconning, MI | No longer reported |
| 314 East Midland StreetBay City, MI | No longer reported |
| 120 West Center StreetLinwood, MI | No longer reported |
| 1513-1517 Columbus AvenueBay City, MI | No longer reported |
| 1500 BroadwayBay City, MI | No longer reported |
| 2592 South Van Dyke RoadMarlette, MI | No longer reported |
| 6363 Main StCass City, MI | No longer reported |
| 1079 East Caro RoadCaro, MI | No longer reported |
| 1004 West Caro RoadCaro, MI | No longer reported |
| 171 North State StreetCaro, MI | No longer reported |
| 6522 Main StreetCass City, MI | No longer reported |
| 704 North Van Dyke RoadBad Axe, MI | No longer reported |
| 112 North Huron AvenueHarbor Beach, MI | No longer reported |
Banks folded into Chemical Bank Bay Area
5 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Chemical Bank HuronStandish, MI | Mar 22, 1996 |
| Huron County BankHarbor Beach, MI | Jul 1, 1989 |
| The Peoples State Bank of Caro, MichiganCaro, MI | Jul 1, 1989 |
| The Cass City State BankCass City, MI | Jul 1, 1989 |
| Chemical Bank Cass CityCass City, MI | Jan 1, 1988 |
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 12733 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.