Bank Branches › Closed and merged banks › Virginia › Heritage Savings Bank, FSB
What happened to Heritage Savings Bank, FSB?
Heritage Savings Bank, FSB in Richmond, VA (earlier called Heritage Savings and Loan Association) failed, and Heritage Federal Savings Bank of Richmond, VA took it over on Oct 19, 1990. After 4 more changes of hands, what was Heritage Savings Bank, FSB is today part of Truist Bank (Charlotte, NC).
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.
- 1965Heritage Savings and Loan Association opens in Richmond, VA
- Jun 30, 1987renamed Heritage Savings Bank, FSB
- Oct 19, 1990FAILEDHeritage Savings Bank, FSB failed, and Heritage Federal Savings Bank of Richmond, VA took it over.FDIC certificate 31518 ends; its business continues under certificate 33247.
- Jul 5, 1991RESOLVEDHeritage Federal Savings Bank of Richmond, VA was closed in a federal resolution, and its business passed to Crestar Bank of Richmond, VA.FDIC certificate 33247 ends; its business continues under certificate 832.
- Nov 15, 1996MERGEDCrestar Bank of Richmond, VA merged into Crestar Bank of Richmond, VA.FDIC certificate 832 ends; its business continues under certificate 12543.
- Jan 1, 2000MERGEDCrestar Bank of Richmond, VA merged into SunTrust Bank of Atlanta, GA.FDIC certificate 12543 ends; its business continues under certificate 867.
- Dec 7, 2019MERGEDSunTrust Bank of Atlanta, GA merged into Branch Banking and Trust Company of Charlotte, NC.FDIC certificate 867 ends; its business continues under certificate 9846.
- TodayOPEN
Truist BankMain office Charlotte, NC · FDIC certificate 9846 · 1,928 offices in 18 states on June 30, 2026Every Truist Bank office → Website on file with the FDIC: www.Truist.com
If you still have something from Heritage Savings Bank, FSB
A lien that was never released
Heritage Savings Bank, FSB failed on Oct 19, 1990, handled by the Resolution Trust Corporation, the agency that closed failed savings institutions from 1989 to 1995. The FDIC's lien-release page covers failed banks and savings and loans placed in FDIC receivership; it does not say how releases work for resolutions this old.
Call FDIC Resolution Inquiries at 888-206-4662 (8am–4pm Central, weekdays) and ask whether the FDIC holds this institution's receivership. Ask Truist Bank as well: the chain above leads there. The FDIC's own instructions are at FDIC, Obtaining a Lien Release.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, Heritage Federal Savings Bank). Start with Truist Bank, and ask them to search under the name Heritage Savings Bank, FSB.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Truist Bank. A box abandoned for years may have been 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.
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 ▾
Banks folded into Heritage Savings Bank, FSB
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Capital Savings and Loan AssociationRichmond, VA | Oct 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 31518 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.