How to Locate Bank Accounts in a Bank That Closed

If your bank fails there is a process that allows you to locate your bank accounts including checking, saving, certificates of deposit (CDs), money market accounts and loans. Failed banks are closed and taken over by the Federal Deposit Insurance Corp. (FDIC).

Instructions

1. Go to the list of failed banks at fdic.gov. All banks that close due to failure are added to this list.

2. Locate your bank on the list. Failed banks are listed by date of failure. Banks that have closed most recently will be at the top of this list. When you find your bank on the list, click on your bank's name. This will take you to a page about your bank.

3. Review all information about your bank. Determine which bank is now handling your bank accounts. The FDIC website will let you know if the building where your account was held is still accessible or if you need to visit another branch. Information about banking services, such as ATM locations, is also available.

4. Learn out about filing claims. Some people file claims because they mailed loan payments which were not cashed or posted to their accounts. Extensive information about filing claims is available on the FDIC website.

Tips & Warnings

• The FDIC helps to maintain consumer confidence in the banking system by insuring depositors up to $250,000.

• The FDIC insures deposits, but not securities, mutual funds and investments offered through banks.

References

• Federal Depositors Insurance Corporation: Failed Bank List
• Federal Depositors Insurance Corporation: What is the FDIC?