Bank Branches › Closed and merged banks › Pennsylvania › Financial Trust Company
What happened to Financial Trust Company?
Financial Trust Company in Carlisle, PA (earlier called Chambersburg Trust Company) merged into Keystone Financial Bank, National Association of Harrisburg, PA on Dec 31, 1998. After 1 more change of hands, what was Financial Trust Company is today part of Manufacturers and Traders Trust Company (Buffalo, NY).
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.
- 1901Chambersburg Trust Company opens in Carlisle, PA
- Sep 26, 1997renamed Financial Trust Company
- Dec 31, 1998MERGEDFinancial Trust Company merged into Keystone Financial Bank, National Association of Harrisburg, PA.FDIC certificate 8417 ends; its business continues under certificate 7712.
- Oct 7, 2000MERGEDKeystone Financial Bank, National Association of Harrisburg, PA merged into Manufacturers and Traders Trust Company of Buffalo, NY.FDIC certificate 7712 ends; its business continues under certificate 588.
- TodayOPEN
Manufacturers and Traders Trust CompanyMain office Buffalo, NY · FDIC certificate 588 · 957 offices in 14 states on June 30, 2026Every Manufacturers and Traders Trust Company office → Website on file with the FDIC: www.mtb.com
If you still have something from Financial Trust Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Financial Trust Company as lienholder, start with Manufacturers and Traders Trust Company. 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 Manufacturers and Traders Trust Company to search for the account under the name Financial Trust Company. 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 Manufacturers and Traders Trust Company which branch now holds boxes from the Financial Trust Company 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
43 offices filed under this charter in some year from 1994 on. 13 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 100 S Spring Garden StCarlisle, PA | OpenManufacturers and Traders Trust Company |
| 860 Norland AveChambersburg, PA | OpenManufacturers and Traders Trust Company |
| 960 Walnut Bottom RdCarlisle, PA | OpenManufacturers and Traders Trust Company |
| 1 S Centre StPottsville, PA | OpenManufacturers and Traders Trust Company |
| 1798 Lincoln Way EChambersburg, PA | OpenManufacturers and Traders Trust Company |
| 2600 Linglestown RdHarrisburg, PA | OpenManufacturers and Traders Trust Company |
| 13102 Monterey LnBlue Ridge Summit, PA | OpenManufacturers and Traders Trust Company |
| 13 W Main StWaynesboro, PA | OpenManufacturers and Traders Trust Company |
| 6560 Carlisle Pike, Ste 500Mechanicsburg, PA | OpenManufacturers and Traders Trust Company |
| 643 E Baltimore StGreencastle, PA | OpenManufacturers and Traders Trust Company |
| 104 S Market StElizabethtown, PA | OpenManufacturers and Traders Trust Company |
| 120 S Union StMiddletown, PA | OpenManufacturers and Traders Trust Company |
| 4 North U.S. Highway 15Dillsburg, PA | OpenManufacturers and Traders Trust Company |
| 1 W High StCarlisle, PA | No longer reported |
| 631 Holly PikeMount Holly Springs, PA | No longer reported |
| One Forge RoadBoiling Springs, PA | No longer reported |
| 3805 Trindle RoadCamp Hill, PA | No longer reported |
| 1958 Spring RoadCarlisle, PA | No longer reported |
| 433 South 18th StreetCamp Hill, PA | No longer reported |
| 1415 Ritner HighwayCarlisle, PA | No longer reported |
| 401 East King StreetShippensburg, PA | No longer reported |
| 105 Noble BoulevardCarlisle, PA | No longer reported |
| 5303 East Simpson Ferry RoadMechanicsburg, PA | No longer reported |
| U.S. Route 11New Kingstown, PA | No longer reported |
| 216 South Carlisle StreetNew Bloomfield, PA | No longer reported |
| 5201 Spring Road Suite 7Shermans Dale, PA | No longer reported |
| 14 West Hanover StreetGettysburg, PA | No longer reported |
| 105 Chambersburg StreetGettysburg, PA | No longer reported |
| 1002 North Seventh StreetHarrisburg, PA | No longer reported |
| 1661 East Chocolate AvenueHershey, PA | No longer reported |
| 1601 West Harrisburg PikeMiddletown, PA | No longer reported |
| 5137 Jonestown RoadHarrisburg, PA | No longer reported |
| 5074 Jonestown RoadHarrisburg, PA | No longer reported |
| 3628 Scotland Main StreetChambersburg, PA | No longer reported |
| 915 Wayne AvenueChambersburg, PA | No longer reported |
| 14 North Main StreetChambersburg, PA | No longer reported |
| 993 Wayne AvenueChambersburg, PA | No longer reported |
| 1501 East Main StreetWaynesboro, PA | No longer reported |
| 257 South Gate MallChambersburg, PA | No longer reported |
| Main StreetZullinger, PA | No longer reported |
Banks folded into Financial Trust Company
2 banks merged directly into this charter; counting the banks those had absorbed earlier, 6 charters end up inside it.
| Bank | Ended |
|---|---|
| Financial Trust CompanyCarlisle, PA | Sep 26, 1997 |
| First National Bank and Trust Co.Waynesboro, PA | Sep 26, 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 8417 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.