History & Mission

Since 1908, Middletown Valley Bank has been a cornerstone for our customers’ financial planning, residents and businesses alike.  Though many advances of the 21st century have made the financial world more competitive, Middletown Valley Bank continues to provide the flexibility and responsiveness only a true community bank can offer.  Our exceptional customer service – combined with state-of-the-art technology – provides our customers with the best banking experience.


Middletown Valley Bank (MVB) offers banking services in the Maryland Counties of Frederick, Washington, and Garrett, as well as Franklin County, Pennsylvania.  MVB’s primary mission is to deliver consistently extraordinary service through a dedicated team of experienced banking professionals.  The MVB team works by the following core values: Positive Attitude, Customer Focus, Service Excellence, Lasting Relationships, Growth and Development, Collaboration and Teamwork, Community Enrichment, and Trusted Financial Foundations.


The first meeting of the Middletown Savings Bank was held on November 12, 1907.  In 1937, Middletown Savings Bank bought out the failing Valley Bank and moved across the street into our present day Main Office location.  At a Board of Directors meeting held on August 20, 1965, it was decided to change the name from Middletown Savings Bank to Middletown Valley Bank.  In 2018, Middletown Valley Bank formed the holding company, Community Heritage Financial, Inc. (CHF).  CHF acquired Millennium Financial Group (DBA Mlend), a full-service mortgage lender, in 2019.  Over the years MVB has expanded to eight branch locations and one commercial loan production office (LPO).  To learn more about CHF and their companies, please visit the Investor Relations website or call (844) 533-9211.

Customer Care Team

(844) 533-9211
Monday – Friday 8:00 am – 5:00 pm
Saturday 9:00 am – 12:00 pm

24-Hour Telephone Banking

(855) 371-3040

Lost or Stolen Visa Debit Card

(888) 297-3416

Need Help?

Contact our customer care team