12 U.S.C. § 22
Organization certificate
The persons uniting to form such an association shall, under their hands, make an organization certificate, which shall specifically state:
First. The name assumed by such association; which name shall include the word “national”.
Second. The place where its operations of discount and deposit are to be carried on, designating the State, Territory, or District, and the particular county and city, town, or village.
Third. The amount of capital stock and the number of shares into which the same is to be divided.
Fourth. The names and places of residence of the shareholders and the number of shares held by each of them.
Fifth. The fact that the certificate is made to enable such persons to avail themselves of the advantages of title 62 of the Revised Statutes.
Notes of Decisions
Cited in 45
cases (2 in the last 5 years), 1934–2025 · leading case: Citizens & S. Nat'l Bank v. Bougas, 434 U.S. 35 (1977).
Citizens & S. Nat'l Bank v. Bougas, 434 U.S. 35 (1977). “That Act's provisions to the effect that the organization certificate (as 12 U. S. C. § 22 also requires today) shall specifically state "the particular county and city, town, or village" of its place of operations, 13 Stat.”
Firstar Bank, N.A., a Nat'l Banking Ass'n v. Lawrence J. Faul & Faul Chevrolet, Inc., an Illinois Corp., 253 F.3d 982 (1st Cir. 2001). “” However, at least two singular locations exist for national banks: one is the principal place of business, and the other is the place listed on the bank’s organization certificate where its “operations of discount and deposit are to be carried on,” as required by 12 U.S.C. §…”
Wachovia Bank, Nat'l Ass'n v. Schmidt, 546 U.S. 303 (2006). “” 12 U. S. C. §22 (Second); see §21; Office of the Comptroller of the Currency, Instructions— Articles of Association, Specific Requirements ¶ 12, available at http:// www.”
Mazaika v. Bank One, Columbus, N.A., 653 A.2d 640 (Pa. Super. Ct. 1995). “§ 22 also requires today) shall specifically state "the particular county and city, town, or village" of its place of operations, 13 Stat. 101 , and that the bank's "usual business shall be transacted at an office or banking house located in the place specified in its…”
Ambac Assurance Corp. v. Countrywide Home Loans, Inc., 57 N.E.3d 30 (NY 2016). “, is a federally chartered bank, governed by the National Bank Act ( 12 USC §§ 22 et seq.) and regulated by the Office of the Comptroller of the Currency and the Federal Reserve Board (see 12 USC § 1828 ).”
Marquette Nat'l Bank of Minneapolis v. First of Omaha Serv. Corp., 439 U.S. 299 (1978). “§ 5134, 12 U. S. C. § 22 . The charter address of Omaha Bank is in Omaha, Douglas County, Neb.”
Robert Rouse v. Wachovia Mortg., Fsb, 747 F.3d 707 (9th Cir. 2014). “§ 1348 , which provides in pertinent part: “All national banking associations shall, for the purposes of all other actions by or against them, be deemed citizens of the 1 12 U.S.C. § 22 (Second) requires that a national bank designate “[t]he place where its operations of…”
Fred Fisher v. The First Nat'l Bank of Chicago, 538 F.2d 1284 (1st Cir. 1976). “[t]he place where [the association’s] operations of discount and deposit are to be carried on, designating the State, Territory, or District, and the particular county and city, town, or village,” 12 U.”
Wachovia Bank, Nat'l Ass'n v. Daniel G. Schmidt III Priag LLC Dgs Investments, Inc., 388 F.3d 414 (4th Cir. 2004). “” 12 U.S.C. § 22 . This specific charter location is typically (though apparently it need not always be) the principal place of the bank’s business.”
Evergreen Forest Prods. of Georgia, LLC v. Bank of Am., N.A., 262 F. Supp. 2d 1297 (M.D. Ala. 2003). “3d at 994 ; 12 U.S.C. § 22 . This analogy proved useful in Firstar given the fact that Firs-tar Bank maintained its “operations of discount and deposit” in the same state listed in its original organizational certificate issued in 1863.”
Fin. Software Sys., Inc. v. First Union Nat'l Bank, 84 F. Supp. 2d 594 (E.D. Pa. 1999). “” See 12 U.S.C. §§ 22 & 24 (1994). Once so incorporated, a national bank may now establish both intra-state and interstate branches, subject to limitation.”
Poskin v. TD Banknorth, N.A., 687 F. Supp. 2d 530 (W.D. Pa. 2009). “540 (quoting 12 U.S.C. § 22 ). In Marquette, the charter address of the bank was in Omaha, Douglas County, Nebraska.”
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