Juniata Valley Financial Corp. is a bank holding company, which engages in the provision of consumer and commercial banking services. The company is headquartered in Mifflintown, Pennsylvania and currently employs 115 full-time employees. The firm provides retail and commercial banking and other financial services. The company offers a full range of consumer and commercial banking services. Its consumer banking services include online account opening; online banking, mobile banking, telephone banking, automated teller machines, personal checking accounts, checking overdraft privileges, money market deposit accounts, savings accounts, debit cards, certificates of deposit, individual retirement accounts, secured lines of credit, construction and mortgage loans, and safe deposit boxes. Its commercial banking services include low and high-volume business checking accounts, online account management services, remote deposit capability, ACH origination, payroll direct deposit, commercial lines of credit, commercial letters of credit, mobile deposit for small business customers, and commercial term and demand loans.