Bank Branches › Closed and merged banks › Florida › Ellis National Bank of Clearwater
What happened to Ellis National Bank of Clearwater?
Ellis National Bank of Clearwater in Clearwater, FL merged into Ellis National Bank of Pinellas County of St. Petersburg, FL on Jul 9, 1982. After 6 more changes of hands, what was Ellis National Bank of Clearwater is today part of Bank of America, National Association (Charlotte, NC).
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.
- 1973Ellis National Bank of Clearwater opens in Clearwater, FL
- Jul 9, 1982MERGEDEllis National Bank of Clearwater merged into Ellis National Bank of Pinellas County of St. Petersburg, FL.FDIC certificate 21115 ends; its business continues under certificate 19050.
- Jun 15, 1984MERGEDEllis National Bank of Pinellas County of St. Petersburg, FL merged into NCNB National Bank of Florida of Tampa, FL.FDIC certificate 19050 ends; its business continues under certificate 17561.
- Sep 4, 1992MERGEDNCNB National Bank of Florida of Tampa, FL merged into NationsBank of Florida, N.A. of Tampa, FL.FDIC certificate 17561 ends; its business continues under certificate 15474.
- Dec 21, 1995MERGEDNationsBank of Florida, N.A. of Tampa, FL merged into NationsBank of Florida, National Association of Valdosta, GA.FDIC certificate 15474 ends; its business continues under certificate 127.
- Dec 29, 1995MERGEDNationsBank of Florida, National Association of Valdosta, GA merged into NationsBank of Georgia, National Association of Atlanta, GA.FDIC certificate 127 ends; its business continues under certificate 2155.
- Jun 1, 1997MERGEDNationsBank of Georgia, National Association (by then renamed NationsBank, National Association (South)) of Atlanta, GA merged into NationsBank, National Association of Charlotte, NC.FDIC certificate 2155 ends; its business continues under certificate 15802.
- Jul 23, 1999MERGEDNationsBank, National Association (by then renamed Bank of America, National Association) of Charlotte, NC merged into Bank of America National Trust and Savings Association of Charlotte, NC.FDIC certificate 15802 ends; its business continues under certificate 3510.
- TodayOPEN
Bank of America, National AssociationMain office Charlotte, NC · FDIC certificate 3510 · 3,598 offices in 39 states on June 30, 2026Every Bank of America, National Association office → Website on file with the FDIC: www.bankofamerica.com
If you still have something from Ellis National Bank of Clearwater
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Ellis National Bank of Clearwater as lienholder, start with Bank of America, 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 Bank of America, National Association to search for the account under the name Ellis National Bank of Clearwater. 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 Bank of America, National Association which branch now holds boxes from the Ellis National Bank of Clearwater 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.
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 ▾
Banks folded into Ellis National Bank of Clearwater
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Ellis Harbor BankSafety Harbor, FL | Jul 6, 1981 |
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 21115 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.