Bank Branches › Closed and merged banks › Maryland › FCNB Bank
What happened to FCNB Bank?
FCNB Bank in Frederick, MD (earlier called Frederick County National Bank of Frederick) merged into Branch Banking and Trust Company of Charlotte, NC on Mar 16, 2001. That bank is now called 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.
- 1818Frederick County National Bank of Frederick opens in Frederick, MD
- Jun 1, 1993renamed FCNB Bank
- Mar 16, 2001MERGEDFCNB Bank merged into Branch Banking and Trust Company of Charlotte, NC.FDIC certificate 4843 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 FCNB Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows FCNB Bank as lienholder, start with Truist Bank. 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 Truist Bank to search for the account under the name FCNB 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 Truist Bank which branch now holds boxes from the FCNB 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
36 offices filed under this charter in some year from 1994 on. 10 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 5280 Corporate DrFrederick, MD | OpenTruist Bank |
| 1602 Rosemont AveFrederick, MD | OpenTruist Bank |
| 443 E Ridgeville BlvdMount Airy, MD | OpenTruist Bank |
| 819 E Main StMiddletown, MD | OpenTruist Bank |
| 265 Kentlands BlvdGaithersburg, MD | OpenTruist Bank |
| 7290 Montgomery RdElkridge, MD | OpenTruist Bank |
| 100 Commerce DrWalkersville, MD | OpenTruist Bank |
| 5825 Buckeystown PikeFrederick, MD | OpenTruist Bank |
| 1303 E Patrick StFrederick, MD | OpenTruist Bank |
| 1370 W Patrick StFrederick, MD | OpenTruist Bank |
| 19645 Fisher AvenuePoolesville, MD | No longer reported |
| 9815 Main StreetDamascus, MD | No longer reported |
| 19801 Frederick RoadGermantown, MD | No longer reported |
| 8121 Georgia AvenueSilver Spring, MD | No longer reported |
| 1 Church Street, Suite 400Rockville, MD | No longer reported |
| 7381 Baltimore Annapolis BlvdGlen Burnie, MD | No longer reported |
| 1219 Annapolis RoadOdenton, MD | No longer reported |
| 6229 Sykesville RoadEldersburg, MD | No longer reported |
| Route 140 and Englar RoadWestminster, MD | No longer reported |
| 5200 Wisconsin Avenue NwWashington, DC | No longer reported |
| 815 Connecticut Avenue NwWashington, DC | No longer reported |
| 919 Frederick RoadCatonsville, MD | No longer reported |
| 1777 Reisterstown RoadPikesville, MD | No longer reported |
| 11702 Reisterstown RoadBaltimore, MD | No longer reported |
| 5585 Twin Knolls RoadColumbia, MD | No longer reported |
| 1 North Market StreetFrederick, MD | No longer reported |
| 94 Souder RoadBrunswick, MD | No longer reported |
| 11799 Fingerboard RoadMonrovia, MD | No longer reported |
| 1562 Oppossumtown PikeFrederick, MD | No longer reported |
| 7401 Willow RoadFrederick, MD | No longer reported |
| 1305 West 7th Street, #8Frederick, MD | No longer reported |
| 5500 Buckeystown PikeFrederick, MD | No longer reported |
| 1100 West Patrick StreetFrederick, MD | No longer reported |
| 2230 Gallows RoadDunn Loring, VA | No longer reported |
| 380 Main StLaurel, MD | No longer reported |
| 1595 Opossumtown PikeFrederick, MD | No longer reported |
Banks folded into FCNB Bank
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 5 charters end up inside it.
| Bank | Ended |
|---|---|
| First Bank of FrederickFrederick, MD | Aug 20, 1999 |
| Capital Bank, National AssociationRockville, MD | Nov 19, 1998 |
| Elkridge BankElkridge, MD | Mar 7, 1997 |
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 4843 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.