Bank Branches › Closed and merged banks › Michigan › Citizens Bank
What happened to Citizens Bank?
Citizens Bank in Flint, MI (earlier called Citizens Commercial & Savings Bank) merged into Firstmerit Bank, National Association of Akron, OH on Apr 12, 2013. After 1 more change of hands, what was Citizens Bank is today part of The Huntington National Bank (Columbus, OH).
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.
- 1871Citizens Commercial & Savings Bank opens in Flint, MI
- Jun 1, 1996renamed Citizens Bank
- Apr 12, 2013MERGEDCitizens Bank merged into Firstmerit Bank, National Association of Akron, OH.FDIC certificate 986 ends; its business continues under certificate 13675.
- Aug 16, 2016MERGEDFirstmerit Bank, National Association of Akron, OH merged into The Huntington National Bank of Columbus, OH.FDIC certificate 13675 ends; its business continues under certificate 6560.
- TodayOPEN
The Huntington National BankMain office Columbus, OH · FDIC certificate 6560 · 1,452 offices in 21 states on June 30, 2026Every The Huntington National Bank office → Website on file with the FDIC: www.huntington.com
If you still have something from Citizens Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens Bank as lienholder, start with The Huntington National 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 The Huntington National Bank to search for the account under the name Citizens 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 The Huntington National Bank which branch now holds boxes from the Citizens 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
285 offices filed under this charter in some year from 1994 on. 71 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 1709 N Saginaw RdMidland, MI | OpenThe Huntington National Bank |
| 200 W Higham StSt. Johns, MI | OpenThe Huntington National Bank |
| 103 N Mitchell StCadillac, MI | OpenThe Huntington National Bank |
| 9880 E Grand River AveBrighton, MI | OpenThe Huntington National Bank |
| 100 E Main StGaylord, MI | OpenThe Huntington National Bank |
| 11425 S Saginaw StGrand Blanc, MI | OpenThe Huntington National Bank |
| 49125 Grand River AveNovi, MI | OpenThe Huntington National Bank |
| 226 W Caroline StFenton, MI | OpenThe Huntington National Bank |
| 1075 E Main StPinckney, MI | OpenThe Huntington National Bank |
| 10 N Lincoln StElkhorn, WI | OpenAssociated Bank, National Association |
| 900 W Midland StBay City, MI | OpenThe Huntington National Bank |
| 160 S River RdSaginaw, MI | OpenThe Huntington National Bank |
| 1111 W North StJackson, MI | OpenThe Huntington National Bank |
| 4609 Crooks RdRoyal Oak, MI | OpenThe Huntington National Bank |
| 1514 W Morrell StJackson, MI | OpenThe Huntington National Bank |
| 525 N Main StFrankenmuth, MI | OpenThe Huntington National Bank |
| 3061 Bay RdSaginaw, MI | OpenThe Huntington National Bank |
| 3501 Veterans AveSuamico, WI | OpenAssociated Bank, National Association |
| 419 S Lafayette StSouth Lyon, MI | OpenThe Huntington National Bank |
| G-6452 W. Pierson RoadFlushing, MI | OpenThe Huntington National Bank |
| 5050 Marsh Rd, Ste 1Okemos, MI | OpenThe Huntington National Bank |
| 7150 S Huron River DrYpsilanti, MI | OpenThe Huntington National Bank |
| 800 S Main StRoyal Oak, MI | OpenThe Huntington National Bank |
| 1115 S Washington AveSaginaw, MI | OpenThe Huntington National Bank |
| 2161 W Vienna RdClio, MI | OpenThe Huntington National Bank |
| 1373 S Linden RdFlint, MI | OpenThe Huntington National Bank |
| 120 N Forest StStandish, MI | OpenThe Huntington National Bank |
| 305 E Michigan AveGrayling, MI | OpenThe Huntington National Bank |
| 5597 Us Highway 10 EStevens Point, WI | OpenAssociated Bank, National Association |
| 186 S Main StPlymouth, MI | OpenThe Huntington National Bank |
| 3075 Washtenaw RdYpsilanti, MI | OpenThe Huntington National Bank |
| 1027 W Hill RdFlint, MI | OpenThe Huntington National Bank |
| 310 S Main StBrooklyn, MI | OpenThe Huntington National Bank |
| 6101 W Saginaw HwyLansing, MI | OpenThe Huntington National Bank |
| 39901 8 Mile RdNorthville, MI | OpenThe Huntington National Bank |
| 328 S Saginaw StFlint, MI | OpenThe Huntington National Bank |
| 524 W Grand River AveFowlerville, MI | OpenThe Huntington National Bank |
| 205 E 4th StKaukauna, WI | OpenAssociated Bank, National Association |
| 1331 E Grand River AveEast Lansing, MI | OpenThe Huntington National Bank |
| 123 E Main StWautoma, WI | OpenAssociated Bank, National Association |
Banks folded into Citizens Bank
14 banks merged directly into this charter; counting the banks those had absorbed earlier, 58 charters end up inside it.
| Bank | Ended |
|---|---|
| Republic BankLansing, MI | Apr 28, 2007 |
| F & M Bank-WisconsinKaukauna, WI | Apr 25, 2005 |
| City BankSaint Johns, MI | Jul 1, 1997 |
| City Bank and Trust CompanyJackson, MI | Jul 1, 1997 |
| CB NorthCharlevoix, MI | Jul 1, 1997 |
| Second National Bank of SaginawSaginaw, MI | Jun 1, 1996 |
| State Bank of StandishStandish, MI | Jun 1, 1996 |
| Grayling State BankGrayling, MI | Jun 1, 1996 |
| National Bank of Royal OakRoyal Oak, MI | Jun 1, 1996 |
| Second National Bank of Bay CityBay City, MI | Jun 1, 1996 |
| Bank One, Ypsilanti, National AssociationYpsilanti, MI | Mar 1, 1995 |
| Bank One, East LansingEast Lansing, MI | Mar 1, 1995 |
| Bank One, SturgisSturgis, MI | Mar 1, 1995 |
| Bank One, Fenton, National AssociationFenton, MI | Mar 1, 1995 |
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 986 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.