Bank Branches › Closed and merged banks › Pennsylvania › Waypoint Bank
What happened to Waypoint Bank?
Waypoint Bank in Harrisburg, PA (earlier called Harris Savings and 1 other name) merged into Sovereign Bank of Wilmington, DE on Feb 11, 2005. That bank is now called Santander Bank, N.A. (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.
- 1886Harris Savings opens in Harrisburg, PA
- Jul 1, 1991renamed Harris Savings Bank
- Oct 17, 2000renamed Waypoint Bank
- Feb 11, 2005MERGEDWaypoint Bank merged into Sovereign Bank of Wilmington, DE.FDIC certificate 30174 ends; its business continues under certificate 29950.
- TodayOPEN
Santander Bank, N.A.Main office Wilmington, DE · FDIC certificate 29950 · 368 offices in 9 states on June 30, 2026Every Santander Bank, N.A. office → Website on file with the FDIC: www.santander.com
If you still have something from Waypoint Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Waypoint Bank as lienholder, start with Santander Bank, N.A.. 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 Santander Bank, N.A. to search for the account under the name Waypoint Bank. 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 Santander Bank, N.A. which branch now holds boxes from the Waypoint Bank 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
109 offices filed under this charter in some year from 1994 on. 7 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 1677 Oregon PikeLancaster, PA | OpenSantander Bank, N.A. |
| 168 S 32nd StCamp Hill, PA | OpenSantander Bank, N.A. |
| 4251 Union Deposit RdHarrisburg, PA | OpenSantander Bank, N.A. |
| 1110 Cocoa AveHershey, PA | OpenSantander Bank, N.A. |
| 1241 Quentin RdLebanon, PA | OpenSantander Bank, N.A. |
| 401 Enola RoadEnola, PA | OpenSantander Bank, N.A. |
| 100 E King StLancaster, PA | OpenSantander Bank, N.A. |
| 1580 Wesel BoulevardHagerstown, MD | No longer reported |
| 370 N Reading RdEphrata, PA | No longer reported |
| 986 Lititz PikeLititz, PA | No longer reported |
| 335 Fifth StreetQuarryville, PA | No longer reported |
| 820 S Market StreetElizabethtown, PA | No longer reported |
| 33 Market SquareManheim, PA | No longer reported |
| 820 S Market StElizabethtown, PA | No longer reported |
| 36 East Main StEphrata, PA | No longer reported |
| 100 E King StLancaster, PA | No longer reported |
| 100 Granite Run DrLancaster, PA | No longer reported |
| 1677 Oregon PikeLancaster, PA | No longer reported |
| 3060 Industry DrLancaster, PA | No longer reported |
| 986 Lititz PikeLititz, PA | No longer reported |
| 33 Market SquareManheim, PA | No longer reported |
| 335 Fifth StQuarryville, PA | No longer reported |
| 17 West High StreetCarlisle, PA | No longer reported |
| 3556 Old Gettysburg RoadCamp Hill, PA | No longer reported |
| 921 Calvary RoadCarlisle, PA | No longer reported |
| 1300 Camp Hill MallCamp Hill, PA | No longer reported |
| 3556 Old Gettysburg RoadCamp Hill, PA | No longer reported |
| 1160 Walnut Bottom RoadCarlisle, PA | No longer reported |
| 17 W High StCarlisle, PA | No longer reported |
| 269 Penrose PlaceCarlisle, PA | No longer reported |
| 921 Cavalry RdCarlisle, PA | No longer reported |
| 310 E Penn DrEnola, PA | No longer reported |
| 401 Enola RoadEnola, PA | No longer reported |
| 500 College Ave, EisenhowerGrantham, PA | No longer reported |
| West Shore Plaza 1200 MarketLemoyne, PA | No longer reported |
| 6520 Carlisle PikeMechanicsburg, PA | No longer reported |
| 798 E Simpson StreetMechanicsburg, PA | No longer reported |
| 99 Old York RoadNew Cumberland, PA | No longer reported |
| 397 H Baltimore RoadShippensburg, PA | No longer reported |
| 211 Mt Carmel RoadParkton, MD | No longer reported |
Banks folded into Waypoint Bank
7 banks merged directly into this charter; counting the banks those had absorbed earlier, 8 charters end up inside it.
| Bank | Ended |
|---|---|
| York Federal Savings and Loan AssociationYork, PA | Oct 30, 2000 |
| First Federal Savings and Loan AssociationHarrisburg, PA | Apr 19, 1996 |
| Heritage Federal Savings AssociationLancaster, PA | May 31, 1991 |
| Carlisle Building and Loan AssociationCarlisle, PA | Dec 31, 1987 |
| Manheim Savings and Loan AssociationManheim, PA | Jul 31, 1984 |
| Conestoga Savings and Loan AssociationLancaster, PA | Feb 28, 1983 |
| West Shore Savings and Loan AssociationLemoyne, PA | Jan 31, 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 30174 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.