Bank Branches › Closed and merged banks › Michigan › First Federal of Michigan
What happened to First Federal of Michigan?
First Federal of Michigan in Detroit, MI merged into Charter One Bank, F.S.B. of Cleveland, OH on Oct 31, 1995. After 1 more change of hands, what was First Federal of Michigan is today part of 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.
- 1934First Federal of Michigan opens in Detroit, MI
- Oct 31, 1995MERGEDFirst Federal of Michigan merged into Charter One Bank, F.S.B. of Cleveland, OH.FDIC certificate 28948 ends; its business continues under certificate 28932.
- Sep 1, 2007MERGEDCharter One Bank, F.S.B. (by then renamed Charter One Bank, National Association) of Cleveland, OH merged into RBS Citizens, National Association of Providence, RI.FDIC certificate 28932 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 First Federal of Michigan
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Federal of Michigan 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 First Federal of Michigan. 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 First Federal of Michigan 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
66 offices filed under this charter in some year from 1994 on. 27 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 37307 6 Mile RdLivonia, MI | OpenCitizens Bank, National Association |
| 36520 Moravian DrClinton Township, MI | OpenCitizens Bank, National Association |
| 6465 Orchard Lake RdWest Bloomfield, MI | OpenCitizens Bank, National Association |
| 2225 18 Mile RdSterling Heights, MI | OpenCitizens Bank, National Association |
| 11006 Allen RdTaylor, MI | OpenCitizens Bank, National Association |
| 33333 W 12 Mile RdFarmington Hills, MI | OpenCitizens Bank, National Association |
| 44 N Adams RdRochester, MI | OpenCitizens Bank, National Association |
| 633 Notre Dame StGrosse Pointe, MI | OpenCitizens Bank, National Association |
| 910 E Main St, Ste COwosso, MI | OpenCitizens Bank, National Association |
| 200 S Main StRoyal Oak, MI | OpenCitizens Bank, National Association |
| 41401 Ford RdCanton, MI | OpenCitizens Bank, National Association |
| 41400 W 10 Mile RdNovi, MI | OpenCitizens Bank, National Association |
| 23521 Van Dyke AveWarren, MI | OpenCitizens Bank, National Association |
| 790 Penniman AvePlymouth, MI | OpenCitizens Bank, National Association |
| 23011 Woodward AveFerndale, MI | OpenCitizens Bank, National Association |
| 36836 Van Dyke AveSterling Heights, MI | OpenCitizens Bank, National Association |
| 31231 Harper AveSaint Clair Shores, MI | OpenCitizens Bank, National Association |
| 7205 N Wayne RdWestland, MI | OpenCitizens Bank, National Association |
| 777 Woodward AveDetroit, MI | OpenCitizens Bank, National Association |
| 31441 Plymouth RdLivonia, MI | OpenCitizens Bank, National Association |
| 23220 Farmington RdFarmington, MI | OpenCitizens Bank, National Association |
| 7670 Highland RdWaterford, MI | OpenCitizens Bank, National Association |
| 125 Stephenson HwyTroy, MI | OpenCitizens Bank, National Association |
| 2050 E 12 Mile RdWarren, MI | OpenCitizens Bank, National Association |
| 16501 W Warren AveDetroit, MI | OpenCitizens Bank, National Association |
| 21500 Grand River AveDetroit, MI | OpenCitizens Bank, National Association |
| 7401 Woodward AveDetroit, MI | OpenCitizens Bank, National Association |
| 14501 Gratiot AvenueDetroit, MI | No longer reported |
| 20333 Conant AvenueDetroit, MI | No longer reported |
| 12380 Woodward AvenueHighland Park, MI | No longer reported |
| 20222 Plymouth RoadDetroit, MI | No longer reported |
| 8121 GratiotDetroit, MI | No longer reported |
| 2500 West Maple RoadBloomfield Hills, MI | No longer reported |
| 751 East Big BeaverTroy, MI | No longer reported |
| 69055 N Main StRichmond, MI | No longer reported |
| 13620 North Bay DriveSterling Heights, MI | No longer reported |
| 215 E Michigan AvenueKalamazoo, MI | No longer reported |
| 4300 West MainKalamazoo, MI | No longer reported |
| 6130-H Westnedge AvenuePortage, MI | No longer reported |
| 800 East Allegan StreetOtsego, MI | No longer reported |
Banks folded into First Federal of Michigan
4 banks merged directly into this charter; counting the banks those had absorbed earlier, 7 charters end up inside it.
| Bank | Ended |
|---|---|
| Bay Savings Bank FSBNewport News, VA | Aug 1, 1994 |
| Kentwood Savings and Loan AssociationKentwood, MI | Jan 31, 1982 |
| Kalamazoo Savings and Loan AssociationKalamazoo, MI | May 31, 1981 |
| First Federal Savings and Loan Association of OwossoOwosso, MI | May 31, 1976 |
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 28948 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.