Bank Branches › Closed and merged banks › Massachusetts › USTrust
What happened to USTrust?
USTrust in Boston, MA (earlier called Metrobank and Trust Co./Norfolk and 2 other names) merged into Citizens Bank of Massachusetts of Boston, MA on Jan 11, 2000. After 1 more change of hands, what was USTrust is today part of Citizens Bank, National Association (Providence, RI).
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.
- 1959Metrobank and Trust Co./Norfolk opens in Boston, MA
- Apr 26, 1979renamed USTrust Company
- Jan 1, 1986renamed USTrust/Norfolk
- Aug 10, 1990renamed USTrust
- Jan 11, 2000MERGEDUSTrust merged into Citizens Bank of Massachusetts of Boston, MA.FDIC certificate 17971 ends; its business continues under certificate 18562.
- Sep 1, 2007MERGEDCitizens Bank of Massachusetts of Boston, MA merged into RBS Citizens, National Association of Providence, RI.FDIC certificate 18562 ends; its business continues under certificate 57957.
- TodayOPEN
Citizens Bank, National AssociationMain office Providence, RI · FDIC certificate 57957 · 971 offices in 16 states on June 30, 2026Every Citizens Bank, National Association office → Website on file with the FDIC: www.citizensbank.com
If you still have something from USTrust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows USTrust as lienholder, start with Citizens 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 Citizens Bank, National Association to search for the account under the name USTrust. 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 Citizens Bank, National Association which branch now holds boxes from the USTrust 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
90 offices filed under this charter in some year from 1994 on. 29 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 1 Riverside AveMedford, MA | OpenCitizens Bank, National Association |
| 40 Summer StBoston, MA | OpenCitizens Bank, National Association |
| 631 Mount Auburn StWatertown, MA | OpenCitizens Bank, National Association |
| 1776 Massachusetts AveLexington, MA | OpenCitizens Bank, National Association |
| 716 Main StWaltham, MA | OpenCitizens Bank, National Association |
| 5 Bryant StDedham, MA | OpenCitizens Bank, National Association |
| 34 Main StNatick, MA | OpenCitizens Bank, National Association |
| 610 Main Street,Cambridge, MA | OpenCitizens Bank, National Association |
| 968 Highland AveNeedham, MA | OpenCitizens Bank, National Association |
| 250 Rockland StHanover, MA | OpenCitizens Bank, National Association |
| 90 Sharon StStoughton, MA | OpenCitizens Bank, National Association |
| 1084 Lexington StNorth Waltham, MA | OpenCitizens Bank, National Association |
| 1999 Centre StWest Roxbury, MA | OpenCitizens Bank, National Association |
| 212 Elm StSomerville, MA | OpenCitizens Bank, National Association |
| 768 Elm StConcord, MA | OpenCitizens Bank, National Association |
| 415 Boston Post RdWeston, MA | OpenCitizens Bank, National Association |
| 500 Paradise RdSwampscott, MA | OpenCitizens Bank, National Association |
| 74 Main StFramingham, MA | OpenCitizens Bank, National Association |
| 50 S Main StRandolph, MA | OpenCitizens Bank, National Association |
| 272 Great RdLittleton, MA | OpenCitizens Bank, National Association |
| 310 Grove StBraintree, MA | OpenCitizens Bank, National Association |
| 338 BroadwaySomerville, MA | OpenCitizens Bank, National Association |
| 40 Union SqSomerville, MA | OpenCitizens Bank, National Association |
| 147 Main StGloucester, MA | OpenCitizens Bank, National Association |
| 160 Winthrop AveLawrence, MA | OpenCitizens Bank, National Association |
| 287 Great RdBedford, MA | OpenCitizens Bank, National Association |
| 40 Adams StMilton, MA | OpenCitizens Bank, National Association |
| 163 Main StGroton, MA | OpenCitizens Bank, National Association |
| 1420 Massachusetts AveArlington, MA | OpenCitizens Bank, National Association |
| 7 Railroad AvenueGloucester, MA | No longer reported |
| 540 Granite StreetBraintree, MA | No longer reported |
| 571 Washington StreetWellesley, MA | No longer reported |
| 728 Washington StreetNorwood, MA | No longer reported |
| 865 Washington StreetBraintree, MA | No longer reported |
| 289 Harvard StreetBrookline, MA | No longer reported |
| One Brookline PlaceBrookline, MA | No longer reported |
| 305 Turnpike StreetCanton, MA | No longer reported |
| 545 Adams StreetMilton, MA | No longer reported |
| 1000 Southern ArteryQuincy, MA | No longer reported |
| 1259 Hancock StreetQuincy, MA | No longer reported |
Banks folded into USTrust
7 banks merged directly into this charter; counting the banks those had absorbed earlier, 13 charters end up inside it.
| Bank | Ended |
|---|---|
| The Federal Savings BankWaltham, MA | Dec 4, 1998 |
| Lexington Savings BankLexington, MA | Nov 13, 1998 |
| Somerset Savings BankSomerville, MA | Jul 21, 1998 |
| The Braintree Savings BankBraintree, MA | May 17, 1997 |
| The Co-operative Bank of ConcordConcord, MA | Apr 19, 1997 |
| USTrustCambridge, MA | Aug 10, 1990 |
| Neponset Valley Bank and Trust CompanyCanton, MA | Oct 16, 1980 |
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 17971 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.