Record Retention Online
Foreword and Disclaimer

This Internet guide is designed for the purchasing institution and its branches. The online guide is not to be copied or distributed to any other institution, entity, person, company or other institution owned by a holding company.

It is the purpose of this guide to aid in the compliance of federal statutes and/or regulations. State-specific guides are available for many states. Some states do not have specific record retention laws for their state banks to follow, therefore only the federal guide is needed.

The records listed have been researched by Financial Records Consultants by referencing and quoting the statutes and regulations, and individual state statutes and regulations. This guide is searchable and sectioned by department. Great care has been taken to research all available information. This site is designed to provide accurate and authoritative information in regard to the subject matter covered. The information is made available posted with the understanding the site, and authors of the content, are not engaged in rendering legal, accounting or other professional service by providing this material. The information in the online guide has been prepared by Financial Records Consultants for general informational purposes only. It does not constitute legal advice and is presented without any representation or warranty whatsoever, including as to the accuracy or completeness of the information.

Not all banking records have retention periods controlled by state or federal government agencies. There are many laws that apply to the retention of bank records. Many records are considered to be "under the umbrella" of very specific records. Many records listed are internal records or records that will apply as a by-product of a general record and not a specific law. When no law is applicable, the common, safe and sound business practice in the industry is recommended.

This online program is provided as a reference and organizational tool only. We assume no liability for inadvertent errors or omissions. We assume no liability for a customer's recordkeeping efforts or end result. It is the users' responsibility to be sure that no retention periods are changed, raised or lowered unless the institution's management has made its final approval. FRC and/or Carolyn Jones does not recommend changes to the retention periods listed herein and will not be held responsible for any changes to or repercussions from unauthorized changes made to the contents of the record retention schedule(s).

By purchasing this internet guide, the purchaser agrees that the log-in and password are confidential and are only to be used by the purchasing institution and is not to be distributed in any way to any other company or person, including banks, bank holding company members, credit unions or members of a credit union, savings banks, savings associations, state bankers associations or members of a state bankers association.

RecordRetentionOnline by Financial Records Consultants/Carolyn Jones

All rights reserved. This content, or any part, may not be reproduced in any form without written permission from Financial Records Consultants or Carolyn Jones. Trademarks and logos of FRC are pending.


This site is designed to provide accurate and authoritative information in regard to the subject matter covered. The information is made available posted with the understanding the site, and authors of the content, are not engaged in rendering legal, accounting or other professional service by providing this material. The information in the online guide has been prepared by Financial Records Consultants for general informational purposes only. It does not constitute legal advice and is presented without any representation or warranty whatsoever, including as to the accuracy or completeness of the information.