Bank Branches › Closed and merged banks › Massachusetts › Citizens Bank of Massachusetts
What happened to Citizens Bank of Massachusetts?
Citizens Bank of Massachusetts in Boston, MA (earlier called The Boston Five Cents Savings Bank and 1 other name) merged into RBS Citizens, National Association of Providence, RI on Sep 1, 2007. That bank is now called 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.
- 1825The Boston Five Cents Savings Bank opens in Boston, MA
- Apr 1, 1983renamed The Boston Five Cents Savings Bank FSB
- Oct 13, 1993renamed Citizens Bank of Massachusetts
- Sep 1, 2007MERGEDCitizens Bank of Massachusetts 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 Citizens Bank of Massachusetts
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens Bank of Massachusetts 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 Citizens Bank of Massachusetts. 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 Citizens Bank of Massachusetts 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
332 offices filed under this charter in some year from 1994 on. 168 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 28 State StBoston, MA | OpenCitizens Bank, National Association |
| 1177 Hancock StQuincy, MA | OpenCitizens Bank, National Association |
| 1 Riverside AveMedford, MA | OpenCitizens Bank, National Association |
| 270 Great RdActon, MA | OpenCitizens Bank, National Association |
| 40 Summer StBoston, MA | OpenCitizens Bank, National Association |
| 631 Mount Auburn StWatertown, MA | OpenCitizens Bank, National Association |
| 36 Washington StNorwell, MA | OpenCitizens Bank, National Association |
| 865 Washington StBraintree, MA | OpenCitizens Bank, National Association |
| 134 Nahatan StNorwood, MA | OpenCitizens Bank, National Association |
| 326 Cambridge StBoston, MA | OpenCitizens Bank, National Association |
| 1776 Massachusetts AveLexington, MA | OpenCitizens Bank, National Association |
| 1330 Boylston StChestnut Hill, MA | OpenCitizens Bank, National Association |
| 699 Massachusetts AveArlington, MA | OpenCitizens Bank, National Association |
| 420 Granite AveMilton, MA | OpenCitizens Bank, National Association |
| 716 Main StWaltham, MA | OpenCitizens Bank, National Association |
| 315 Harvard StBrookline, MA | OpenCitizens Bank, National Association |
| 414 Washington StBrighton, MA | OpenCitizens Bank, National Association |
| 1188 Centre StNewton Center, MA | OpenCitizens Bank, National Association |
| 5 Bryant StDedham, MA | OpenCitizens Bank, National Association |
| 1126 Beacon StNewton, MA | OpenCitizens Bank, National Association |
| 607 Boylston StBoston, MA | OpenCitizens Bank, National Association |
| 7 Hartford StFramingham, MA | OpenCitizens Bank, National Association |
| 698 Massachusetts AveCambridge, MA | OpenCitizens Bank, National Association |
| 34 Main StNatick, MA | OpenCitizens Bank, National Association |
| 371 Hancock StNorth Quincy, MA | OpenCitizens Bank, National Association |
| 182 Linden StWellesley, MA | OpenCitizens Bank, National Association |
| 20 N Park AvePlymouth, MA | OpenCitizens Bank, National Association |
| 610 Main Street,Cambridge, MA | OpenCitizens Bank, National Association |
| 968 Highland AveNeedham, MA | OpenCitizens Bank, National Association |
| 731 William T Morrissey BlvdDorchester, MA | OpenCitizens Bank, National Association |
| 152 Everett AveChelsea, MA | OpenCitizens Bank, National Association |
| 85 Quincy AveQuincy, MA | OpenCitizens Bank, National Association |
| 250 Rockland StHanover, MA | OpenCitizens Bank, National Association |
| 90 Sharon StStoughton, MA | OpenCitizens Bank, National Association |
| 876 Main StMalden, MA | OpenCitizens Bank, National Association |
| 1084 Lexington StNorth Waltham, MA | OpenCitizens Bank, National Association |
| 33 Center StLudlow, MA | OpenCitizens Bank, National Association |
| 72 Main StNorth Reading, MA | OpenCitizens Bank, National Association |
| 1999 Centre StWest Roxbury, MA | OpenCitizens Bank, National Association |
| 11 Fearing RdHingham, MA | OpenCitizens Bank, National Association |
Banks folded into Citizens Bank of Massachusetts
11 banks merged directly into this charter; counting the banks those had absorbed earlier, 33 charters end up inside it.
| Bank | Ended |
|---|---|
| Community National BankHudson, MA | Nov 1, 2003 |
| CambridgePort BankCambridge, MA | Jul 31, 2003 |
| Medford Savings BankMedford, MA | Oct 15, 2002 |
| USTrustBoston, MA | Jan 11, 2000 |
| Woburn National BankWoburn, MA | Aug 13, 1998 |
| Grove BankBoston, MA | Mar 5, 1997 |
| Quincy Savings BankQuincy, MA | Jan 6, 1995 |
| Neworld BankBoston, MA | Apr 18, 1994 |
| Citizens Bank of MassachusettsPlymouth, MA | Oct 13, 1993 |
| First American Bank for SavingsBoston, MA | Oct 19, 1990 |
| Yankee Bank for Finance and Savings, FSBBoston, MA | Oct 16, 1987 |
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 18562 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.