Eureka Savings Bank on Your Credit Report
In short: Eureka Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator headquartered in La Salle, Illinois. FDIC certificate 28401 traces to January 1, 1885, a nineteenth-century charter that predates every federal credit-reporting statute. The 06/30/2026 call report puts Eureka Savings Bank at $436 million in assets across 5 FDIC-reported offices. Because Eureka Savings Bank originates these accounts rather than buying them, it is the furnisher of record — you can dispute through §623 directly or §611 via the bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Eureka Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Eureka Savings Bank carries FDIC certificate 28401, operates 5 FDIC-reported offices and reported $436 million in assets on its most recent call report in La Salle, Illinois.
How Eureka Savings Bank appears on your credit report
This tradeline is furnished by Eureka Savings Bank itself, not purchased from another lender, which means the source documents are held in-house. With an Illinois charter and 5 FDIC-reported offices, Eureka Savings Bank adjudicates these disputes internally. Send it in writing, identify precisely which field is wrong, and run the §611 bureau dispute in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at its 5 Illinois banking offices
- ◆Home-equity lines and residential mortgages originated near La Salle
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute a Eureka Savings Bank entry
Each of these is a reason a Eureka Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a La Salle teller window credited a day late and reported as delinquent
- ◆Paid-in-full Eureka Savings Bank loan continuing to report an outstanding balance
- ◆Duplicate Eureka Savings Bank tradeline created when the loan was renumbered internally
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Eureka Savings Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Eureka Savings Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Eureka Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Eureka Savings Bank questions, answered
Is Eureka Savings Bank FDIC-insured, and what is its certificate number?
Certificate 28401 is the FDIC record for Eureka Savings Bank. It describes a state-chartered savings institution supervised by the FDIC and its state regulator based in La Salle, IL, with a charter dating to January 1, 1885; the 06/30/2026 call report shows $436 million in assets and 5 offices.
Which regulator oversees Eureka Savings Bank?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Illinois you banked with Eureka Savings Bank.
Does the CFPB complaint database list Eureka Savings Bank?
We do not publish a figure for Eureka Savings Bank. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can a Eureka Savings Bank charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Eureka Savings Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with Eureka Savings Bank directly or with the collection agency?
Eureka Savings Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Eureka Savings Bank puts the question to the party that can actually check it against source documents.
Will a Eureka Savings Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so Eureka Savings Bank — 5 offices in Illinois — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
Why does one Eureka Savings Bank account appear twice on my report?
Duplicates of this kind usually trace to a data migration. With a charter running back to 1885, Eureka Savings Bank has likely changed core processors at least once, and old and new records can both survive. A predecessor name is acceptable; two live balances for one debt is not — dispute it and cite both entries.
Can I dispute a Eureka Savings Bank account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Eureka Savings Bank are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Does it matter that Eureka Savings Bank is based in La Salle?
The home office is in La Salle, Illinois, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Eureka Savings Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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