Community Heritage Financial, Inc. operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking services to individuals and businesses in Frederick and Washington counties in Maryland and Franklin County, Pennsylvania. Its primary deposit products include demand, savings, and time deposits; lending products comprise real estate mortgages, commercial business loans, and instalment loans; and mortgage financing, new home purchases, refinancing, and construction lending. The company offers personal and business checkings including everyday, senior, hero, legacy interest, core and exceptional business, commercial, non-profit, personal, and youth checkings; money market, holiday and vacation club, certificate of deposit, and simple spend account; and personal loans, debt consolidation, household appliance/furnishing loans, recreation loans, auto loans, commercial real estate loans, capital improvement loans, acquisition loans, agricultural loans, as well as letters of credit and lines of credit. It also provides home equity line of credit for renovations, vacation, and education expenses; credit and debit card; individual retirement accounts; online cash management, remote deposit capture, automated clearing house, wire transfers, positive pay, online card management, automated fraud monitoring, and card transaction alerts; and investment management and financial planning services. In addition, the company offers bank to bank transfers, bill pay, bank by phone, check reorder, card services, digital wallets, estatements, financial pulse, mobile deposit, my credit manager, person to person payments; Zelle, a fast and safe way to send money to friends, family, and other people you trust; and flexible payment solutions, reporting tools, USB payment processing, and consulting for businesses. The company was founded in 1908 and is based in Middletown, Maryland.