A Better Way to Bank

since 1884

Community

More than a bank

Since its founding in 1884, Valley Central Bank has consistently dedicated itself to serving our customers and local communities. Our commitment is reflected in our unwavering focus on delivering exceptional customer service and offering a broad range of products designed to address the varied needs of our clients.

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Whether you're looking for Business Accounts, Mortgage Solutions, Consumer and Commercial Loans, Home Equity Lines of Credit, or FREE Personal Checking and Savings Accounts, we are here to support you every step of the way.


What truly distinguishes us isn’t just our extensive product lineup, but the people behind the service. Our team members take pride in living and working in the communities we serve, fostering genuine relationships built on trust and commitment. This strong local connection inspires us to go above and beyond to fulfill your banking needs.


At Valley Central Bank, we believe banking is about more than just transactions — it’s about building relationships and making a meaningful difference in our customers’ lives. That’s why every employee is dedicated to delivering on our promise of providing


"A Better Way to Bank" - every day. 


Open Your Account Today!

Safely and conveniently open you’re account online today. Whether you’re an existing customer or new to our bank, we offer several products to meet your banking needs.

Open Your Account

Let us give you money while you learn to save for your future!

Introducing the New
STUDENT SAVERS ACCOUNT
Learn more

We provide all of your banking needs.

Commercial Loans, Mortgages, Home Equity Lines of Credit, CD’s & IRA’s. No matter what you need we have you covered.

Personal Banking

Bank accounts with no hidden fees.

Locations/Hours

Convenient locations in the Greater Cincinnati area



READING >>

115 West Benson St.

Cincinnati, OH 45215

513-821-3335

LIBERTY TOWNSHIP >>

6550 Princeton Glendale Rd.

Liberty Twp., OH 45011

513-821-3335

MIDDLETOWN UNIVERSITY >>

701 N. University Blvd

Middletown, OH 45042

513-821-3335

HOURS

Monday - Thursday 9:00am - 5:00pm

Friday 9:00am - 6:00pm



Business Banking

Business accounts with no hidden fees.