Bank Branches › Closed and merged banks › Massachusetts › Heritage Bank for Savings
What happened to Heritage Bank for Savings?
Heritage Bank for Savings in Amherst, MA (earlier called Franklin Savings Institution and 1 other name) merged into Northampton Institution for Savings of Holyoke, MA on Jan 1, 1986. After 4 more changes of hands, what was Heritage Bank for Savings 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.
- 1834Franklin Savings Institution opens in Amherst, MA
- Feb 1, 1980renamed The Franklin Savings Institution
- Jul 1, 1982renamed Heritage Bank for Savings
- Jan 1, 1986MERGEDHeritage Bank for Savings merged into Northampton Institution for Savings of Holyoke, MA.FDIC certificate 21873 ends; its business continues under certificate 21996.
- Dec 4, 1992FAILEDNorthampton Institution for Savings (by then renamed Heritage Bank for Savings) of Holyoke, MA failed, and Fleet Bank of Massachusetts, National Association of Boston, MA took it over.FDIC certificate 21996 ends; its business continues under certificate 26305.
- Apr 1, 1996MERGEDFleet Bank of Massachusetts, National Association of Boston, MA merged into Fleet National Bank of Providence, RI.FDIC certificate 26305 ends; its business continues under certificate 2499.
- Mar 1, 2000MERGEDFleet National Bank of Providence, RI merged into BankBoston, National Association of Providence, RI.FDIC certificate 2499 ends; its business continues under certificate 2558.
- Jun 13, 2005MERGEDBankBoston, National Association (by then renamed Fleet National Bank) of Providence, RI merged into Bank of America, National Association of Charlotte, NC.FDIC certificate 2558 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 Heritage Bank for Savings
A lien that was never released
Heritage Bank for Savings failed on Dec 4, 1992. For a failed bank placed in FDIC receivership, the FDIC may be able to issue the lien release, if the loan was paid off to the bank before it failed or to the FDIC afterward. The FDIC says that where a failed bank had an acquirer, its records in most cases went to that acquirer. Here the chain from the acquirer leads to Bank of America, National Association, which is worth asking too.
Requests go through the FDIC Information and Support Center with the recorded mortgage or title, and proof of payoff. The FDIC says to allow 30 business days once it has every document, and does not take requests by phone or email. Questions: FDIC Resolution Inquiries, 888-206-4662, 8am–4pm Central on weekdays.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, Fleet Bank of Massachusetts, National Association). Start with Bank of America, National Association, and ask them to search under the name Heritage Bank for Savings.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Bank of America, National Association. A box abandoned for years may have been 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 Heritage Bank for Savings
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Amherst Savings BankAmherst, MA | Jul 1, 1982 |
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 21873 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.