Bank Branches › Closed and merged banks › Mississippi › First United Bank
What happened to First United Bank?
First United Bank in Bay Springs, MS (earlier called Bay Springs Bank and 1 other name) merged into OmniBank of Mantee of Bay Springs, MS on Jul 3, 1989. After 1 more change of hands, what was First United Bank is today part of Merchants and Planters Bank (Raymond, MS).
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.
- 1904Bay Springs Bank opens in Bay Springs, MS
- Apr 1, 1981renamed Commonwealth Bank
- Dec 31, 1983renamed First United Bank
- Jul 3, 1989MERGEDFirst United Bank merged into OmniBank of Mantee of Bay Springs, MS.FDIC certificate 8239 ends; its business continues under certificate 8871.
- May 20, 2022MERGEDOmniBank of Mantee (by then renamed OmniBank) of Bay Springs, MS merged into Merchants and Planters Bank of Raymond, MS.FDIC certificate 8871 ends; its business continues under certificate 327.
- TodayOPEN
Merchants and Planters BankMain office Raymond, MS · FDIC certificate 327 · 6 offices in 1 state on June 30, 2026Every Merchants and Planters Bank office → Website on file with the FDIC: www.mpbank.net
If you still have something from First United Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First United Bank as lienholder, start with Merchants and Planters 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 Merchants and Planters Bank to search for the account under the name First United 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 Merchants and Planters Bank which branch now holds boxes from the First United 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.
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 First United Bank
3 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| First United Bank of MississippiMeridian, MS | Dec 31, 1983 |
| Central Bank of MississippiBrandon, MS | Dec 31, 1983 |
| First Citizens Bank and Trust CompanyPoplarville, MS | Apr 1, 1981 |
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 8239 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.