Bank Branches › Closed and merged banks › Ohio › PNC Bank, Northern Kentucky, National Association
What happened to PNC Bank, Northern Kentucky, National Association?
PNC Bank, Northern Kentucky, National Association in Cincinnati, OH (earlier called The Citizens National Bank of Covington and 3 other names) merged into PNC Bank, Ohio, National Association of Cincinnati, OH on May 26, 1995. After 1 more change of hands, what was PNC Bank, Northern Kentucky, National Association is today part of PNC Bank, National Association (Wilmington, DE).
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.
- 1890The Citizens National Bank of Covington opens in Cincinnati, OH
- Feb 20, 1979renamed Citizens National Bank
- Mar 31, 1987renamed The Central Trust Company, National Association
- Jan 2, 1991renamed Central Trust, Northern Kentucky, National Association
- Feb 28, 1993renamed PNC Bank, Northern Kentucky, National Association
- May 26, 1995MERGEDPNC Bank, Northern Kentucky, National Association merged into PNC Bank, Ohio, National Association of Cincinnati, OH.FDIC certificate 2688 ends; its business continues under certificate 742.
- Dec 31, 1997MERGEDPNC Bank, Ohio, National Association of Cincinnati, OH merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 742 ends; its business continues under certificate 6384.
- TodayOPEN
PNC Bank, National AssociationMain office Wilmington, DE · FDIC certificate 6384 · 2,401 offices in 28 states on June 30, 2026Every PNC Bank, National Association office → Website on file with the FDIC: www.pnc.com
If you still have something from PNC Bank, Northern Kentucky, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows PNC Bank, Northern Kentucky, National Association as lienholder, start with PNC 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 PNC Bank, National Association to search for the account under the name PNC Bank, Northern Kentucky, National Association. 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 PNC Bank, National Association which branch now holds boxes from the PNC Bank, Northern Kentucky, National Association 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
11 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 8810 Us Highway 42Florence, KY | OpenPNC Bank, National Association |
| 1 Carothers RdNewport, KY | OpenPNC Bank, National Association |
| 404 Madison AveCovington, KY | OpenPNC Bank, National Association |
| 124 Marshall LaneHighland Heights, KY | No longer reported |
| 14 South Fort Thomas AveFort Thomas, KY | No longer reported |
| 3023 Dixie HighwayEdgewood, KY | No longer reported |
| 5512 Taylor Mill RoadTaylor Mill, KY | No longer reported |
| 525 Buttermilk PikeCrescent Springs, KY | No longer reported |
| 2216 Dixie HighwayFort Mitchell, KY | No longer reported |
| 10 Kyles LaneFort Wright, KY | No longer reported |
| 7700 Mall RoadFlorence, KY | No longer reported |
Banks folded into PNC Bank, Northern Kentucky, National Association
2 banks merged directly into this charter; counting the banks those had absorbed earlier, 6 charters end up inside it.
| Bank | Ended |
|---|---|
| Sunrise Bank for Savings, F.S.B.Fort Mitchell, KY | Sep 4, 1992 |
| The Central Trust CompanyUnion, KY | Jan 2, 1991 |
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 2688 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.