Bank BranchesEvery insured bank office · FDIC · 1994–2026

Bank Branches › Closed and merged banks › New Jersey › Commerce Bank/North

FDIC certificate 22178 · Ramsey, NJ

What happened to Commerce Bank/North?

Commerce Bank/North in Ramsey, NJ (earlier called Independence Bank of New Jersey) merged into TD Bank, National Association of Wilmington, DE on May 31, 2008. TD Bank, National Association is open today.

1975
opened
2008
merged away
2
names it used
1
step to today's bank

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.

  1. 1975
    Independence Bank of New Jersey opens in Ramsey, NJ
  2. Jan 21, 1997
    renamed Commerce Bank/North
  3. May 31, 2008
    MERGEDCommerce Bank/North merged into TD Bank, National Association of Wilmington, DE.FDIC certificate 22178 ends; its business continues under certificate 18409.
  4. Today
    OPEN
    TD Bank, National AssociationMain office Wilmington, DE · FDIC certificate 18409 · 1,050 offices in 16 states on June 30, 2026

    Every TD Bank, National Association office →   Website on file with the FDIC: www.td.com/us/en/personal-banking/

If you still have something from Commerce Bank/North

A lien that was never released

If a paid-off mortgage, home-equity line or car loan still shows Commerce Bank/North as lienholder, start with TD 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 TD Bank, National Association to search for the account under the name Commerce Bank/North. 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 TD Bank, National Association which branch now holds boxes from the Commerce Bank/North 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

47 offices filed under this charter in some year from 1994 on. 41 are still open as of June 30, 2026. Showing 40.

OfficeLast filed under itNow
1 Interstate Shop CtrRamsey, NJ2007OpenTD Bank, National Association
540 River RoadHackensack, NJ2007OpenTD Bank, National Association
768 Franklin AveFranklin Lakes, NJ2007OpenTD Bank, National Association
125 18th StJersey City, NJ2007OpenTD Bank, National Association
14-03 Saddle River RdFair Lawn, NJ2007OpenTD Bank, National Association
560 Maywood AveMaywood, NJ2007OpenTD Bank, National Association
47 Newark StHoboken, NJ2007OpenTD Bank, National Association
275 Forest AveParamus, NJ2007OpenTD Bank, National Association
600 Market StElmwood Park, NJ2007OpenTD Bank, National Association
185 S Livingston AveLivingston, NJ2007OpenTD Bank, National Association
63 W Allendale AveAllendale, NJ2007OpenTD Bank, National Association
102 S Paramus RdParamus, NJ2007OpenTD Bank, National Association
1400 Palisade AveFort Lee, NJ2007OpenTD Bank, National Association
126 N Washington AveBergenfield, NJ2007OpenTD Bank, National Association
450 Hillsdale AveHillsdale, NJ2007OpenTD Bank, National Association
617 Lafayette AveHawthorne, NJ2007OpenTD Bank, National Association
33 S Kinderkamack RdMontvale, NJ2007OpenTD Bank, National Association
115 Jackson AvePompton Plains, NJ2007OpenTD Bank, National Association
1262 Paterson Plank RdSecaucus, NJ2007OpenTD Bank, National Association
233 Bloomfield AveMontclair, NJ2007OpenTD Bank, National Association
600 Passaic AveWest Caldwell, NJ2007OpenTD Bank, National Association
111 River StHackensack, NJ2007OpenTD Bank, National Association
133 Franklin AveRidgewood, NJ2007OpenTD Bank, National Association
436 Hollywood AveFairfield, NJ2007OpenTD Bank, National Association
9 E Demarest AveEnglewood, NJ2007OpenTD Bank, National Association
105 Mulberry St, # 109Newark, NJ2007OpenTD Bank, National Association
111 Chestnut Ridge RdMontvale, NJ2007OpenTD Bank, National Association
575 Kingsland StNutley, NJ2007OpenTD Bank, National Association
435 Livingston StNorwood, NJ2007OpenTD Bank, National Association
1 Wanaque AvePompton Lakes, NJ2007OpenTD Bank, National Association
115 Piermont RdTenafly, NJ2007OpenTD Bank, National Association
1188 Clifton AveClifton, NJ2007OpenTD Bank, National Association
336 Old Hook RdWestwood, NJ2007OpenTD Bank, National Association
281 Valley RdWayne, NJ2007OpenTD Bank, National Association
425 Pleasant Valley WayWest Orange, NJ2007OpenTD Bank, National Association
187 Berdan AveWayne, NJ2007OpenTD Bank, National Association
276 Clifton AveClifton, NJ2007OpenTD Bank, National Association
109 BoulevardHasbrouck Heights, NJ2007OpenTD Bank, National Association
1476 Broad StBloomfield, NJ2007OpenTD Bank, National Association
8 Wyckoff AveWyckoff, NJ2007OpenTD Bank, National Association

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 22178 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.