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Bank Branches › Closed and merged banks › Kentucky › Heritage Bank USA, Inc.

FDIC certificate 30090 · Hopkinsville, KY

What happened to Heritage Bank USA, Inc.?

Heritage Bank USA, Inc. in Hopkinsville, KY (earlier called Hopkinsville Federal Savings Bank and 2 other names) merged into First Financial Bank, National Association of Terre Haute, IN on Jul 27, 2019. First Financial Bank, National Association is open today.

1879
opened
2019
merged away
4
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. 1879
    Hopkinsville Federal Savings Bank opens in Hopkinsville, KY
  2. Feb 12, 2001
    renamed Hopkinsville Federal Bank
  3. May 13, 2002
    renamed Heritage Bank
  4. Jun 5, 2013
    renamed Heritage Bank USA, Inc.
  5. Jul 27, 2019
    MERGEDHeritage Bank USA, Inc. merged into First Financial Bank, National Association of Terre Haute, IN.FDIC certificate 30090 ends; its business continues under certificate 4382.
  6. Today
    OPEN
    First Financial Bank, National AssociationMain office Terre Haute, IN · FDIC certificate 4382 · 82 offices in 5 states on June 30, 2026

    Every First Financial Bank, National Association office →   Website on file with the FDIC: www.first-online.bank

If you still have something from Heritage Bank USA, Inc.

A lien that was never released

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

18 offices filed under this charter in some year from 1994 on. 15 are still open as of June 30, 2026.

OfficeLast filed under itNow
306 Lake StFulton, KY2019OpenFirst Financial Bank, National Association
210 N 12th StMurray, KY2019OpenFirst Financial Bank, National Association
2185 Madison StClarksville, TN2019OpenFirst Financial Bank, National Association
2700 Fort Campbell BlvdHopkinsville, KY2019OpenFirst Financial Bank, National Association
4155 Lafayette RdHopkinsville, KY2019OpenFirst Financial Bank, National Association
2556 Highway 49 EPleasant View, TN2019OpenFirst Financial Bank, National Association
108 Cumberland StAshland City, TN2019OpenFirst Financial Bank, National Association
Hopkinsville StreetElkton, KY2019OpenFirst Financial Bank, National Association
660 Main StBenton, KY2019OpenFirst Financial Bank, National Association
104 W Kingston Springs RdKingston Springs, TN2019OpenFirst Financial Bank, National Association
352 Main StCadiz, KY2019OpenFirst Financial Bank, National Association
35 Oak PlzCalvert City, KY2019OpenFirst Financial Bank, National Association
3845 Trenton RdClarksville, TN2019OpenFirst Financial Bank, National Association
607 N Highland DrFulton, KY2019OpenFirst Financial Bank, National Association
605 S Virginia StHopkinsville, KY2019OpenFirst Financial Bank, National Association
3711 West Main StreetErin, TN2019No longer reported
322 Main StClarksville, TN2019No longer reported
1601 North 12th StreetMurray, KY2019No longer reported

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 30090 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.