Open a Checking Account in Liberty Township or Reading, Ohio Today!




Interest Checking

For individuals seeking the best account for higher balances and easy access

  • $20 minimum balance to open*
  • FREE Online Banking, Bill Pay, Debit Card
  • Unlimited check writing with no per-check fee
  • FREE withdrawals at 2000+ ATMs
  • E-Statements – FREE
  • Statement Images – FREE
  • Transfer from Savings for overdraft available – FREE***
  • Paper Statement – FREE

 * Interest Checking account has a monthly average balance requirement of $300.00 to waive the service charge of $6.00.


Valley Checking Account

Our basic checking account provides easy access and low fees

  • FREE Online Banking, Bill Pay, Debit Card
  • No minimum account balance required**
  • FREE withdrawals at 2000+ ATMs
  • E-Statements required – FREE
  • Statement Images – FREE (with E-Statements)
  • Transfer from Savings for o/d available – FREE***
  • First Order of checks – FREE

*** Valley Checking account has no balance requirement when you have direct deposit established within 90 days or an auto-payment to a VCB loan. If the above requirements are not met, Valley Central will charge a $6.00 service charge per month.

*** Limit 6 transfers from savings for overdraft protection per month.


Now introducing the Valley Central Bank "Loving Life" Account Package!

*A special account just for our loyal customers 55 and better