Bank Branches › Closed and merged banks › Michigan › First of America Bank - Northern Michigan
What happened to First of America Bank - Northern Michigan?
First of America Bank - Northern Michigan in Traverse City, MI (earlier called Cheboygan Bank and 1 other name) merged into First of America Bank - Michigan, National Association of Bannockburn, IL on Dec 31, 1994. After 2 more changes of hands, what was First of America Bank - Northern Michigan 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.
- 1905Cheboygan Bank opens in Traverse City, MI
- Jun 6, 1983renamed First of America Bank-Straits Area
- Mar 1, 1988renamed First of America Bank - Northern Michigan
- Dec 31, 1994MERGEDFirst of America Bank - Northern Michigan merged into First of America Bank - Michigan, National Association of Bannockburn, IL.FDIC certificate 15479 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 - Northern Michigan
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First of America Bank - Northern Michigan 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 - Northern Michigan. 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 - Northern Michigan 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
32 offices filed under this charter in some year from 1994 on. 7 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 316 N Main StCheboygan, MI | OpenPNC Bank, National Association |
| 97 River StreetElk Rapids, MI | OpenThe Huntington National Bank |
| 375 River StManistee, MI | OpenPNC Bank, National Association |
| 401 Bay StPetoskey, MI | OpenPNC Bank, National Association |
| 122 N Second AveAlpena, MI | OpenPNC Bank, National Association |
| 17222 Caberfae HwyWellston, MI | OpenLake-Osceola State Bank |
| 18829 S Mackinac TrlRudyard, MI | OpenCentral Savings Bank |
| 2931 Kneeland StreetLewiston, MI | No longer reported |
| 12483 State StreetAtlanta, MI | No longer reported |
| 1111 U.S. 31 NorthBear Creek Township, MI | No longer reported |
| 320 Ashmun StreetSault Ste. Marie, MI | No longer reported |
| 3398 I75 Business SpurSault Ste. Marie, MI | No longer reported |
| 423 East MainHarrisville, MI | No longer reported |
| 225 South 2nd StreetLincoln, MI | No longer reported |
| 4945 Main StreetOnekama, MI | No longer reported |
| 316 Care Center DriveFiler Township, MI | No longer reported |
| 415 Parkdale AvenueManistee Township, MI | No longer reported |
| 1669 South Benzie HighwayBenzonia, MI | No longer reported |
| 3833 South Straits HighwayIndian River, MI | No longer reported |
| 118 East CentralMackinaw City, MI | No longer reported |
| 1000 South Main StreetCheboygan, MI | No longer reported |
| 1116 East State StreetCheboygan, MI | No longer reported |
| 107 East State StreetMancelona, MI | No longer reported |
| 1057 East Front StreetTraverse City, MI | No longer reported |
| 522 Railroad AvenueTraverse City, MI | No longer reported |
| 701 RandolphTraverse City, MI | No longer reported |
| 838 Petoskey AvenueCharlevoix Township, MI | No longer reported |
| 920 West U.S. 2Saint Ignace, MI | No longer reported |
| 14963 Hubbard Lake RoadHubbard Lake, MI | No longer reported |
| 125 Park PlaceAlpena, MI | No longer reported |
| 145 South Ripley BoulevardAlpena, MI | No longer reported |
| 2336 U.S. 23 SouthAlpena, MI | No longer reported |
Banks folded into First of America Bank - Northern Michigan
7 banks merged directly into this charter; counting the banks those had absorbed earlier, 8 charters end up inside it.
| Bank | Ended |
|---|---|
| First of America Bank - ManisteeManistee, MI | Feb 1, 1991 |
| First of America Bank - LewistonLewiston, MI | Sep 1, 1990 |
| First of America Bank - AlpenaAlpena, MI | Jul 1, 1990 |
| Antrim County State BankMancelona, MI | Dec 15, 1989 |
| First of America Bank-Grand Traverse, National AssociationTraverse City, MI | Aug 1, 1989 |
| First of America Bank-Petoskey, National AssociationPetoskey, MI | Jun 27, 1989 |
| First of America Bank - Sault Ste. Marie, National AssociationSault Ste. Marie, MI | Mar 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 15479 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.