• Open Access HMO - No primary care physicians required and no referral needed for specialists

• PPO Plan

• High deductible plan - HSA compatible

• Prescription Drugs - 3 tier plan

• In network and out-of-network benefits

• 100% coverage on diagnostic and preventive services

• Routine restorative, endodontic, periodontal restoration and prosthetic services

• Orthodontics for dependent children

• Free, confidential and professional services

• Legal, financial and family support networks

• Health care reimbursement account for up to $6,000 per year on a pre-tax basis to pay for health care expenses not paid by insurance

• Dependent care reimbursement account for up to $5,000 per year on a pre-tax basis to pay for day care expenses

• Fitness membership reimbursement of 50% of the cost of health clubs; including YMCA, YWCA, racquetball clubs, health spa, etc. with a maximum of $200 per year

• Annual wellness screenings and wellness campaigns

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• Short-term and long-term disability at no cost to the employee

• Short-term disability coverage for the first 90 days at 60% of pay

• Long-term disability coverage at 60% of monthly salary

• Paid sick leave accrued monthly

• Bank-paid life insurance of two times annual base salary

• Option for an additional life coverage up to two times annual base salary

• Company-paid accidental death and dismemberment insurance

• Spouse and dependent life insurance options

• Bank-paid coverage for employees who travel on Bank business

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• Employee contributions up to 50% of pay on a pre-tax or after-tax basis

• Bank match – 50% of the first 6% contributed during 2nd and 3rd years

• 75% of the first 6% contributed during 4th and 5th years

• 100% of the first 6% contributed starting with the 6th year

• 100% immediate vesting in employee and employer match contributions

• Multiple investment fund options including a self-directed brokerage account

• On-line fund management

Retirement Plan

• 100% Bank-paid defined benefit pension plan

• Fully vested upon completion of 5 years of service

• Early retirement option

• Disability retirement

• Post-retirement increment

• Active service death benefit

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• During the first year, full-time employees receive a prorated share of at least three weeks paid time off

• Ten paid holidays per year

• Follows Federal Reserve Bank schedule

• Flex Time Opportunity to choose start and end time as business needs permit

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• 100% tuition reimbursement for completion of qualifying higher education or professional certification programs

• Opportunities to participate in job-related conferences and seminars

• Online learning center available with a library of business courses

• Job openings posted on intranet allowing all employees the opportunity to apply

• Career counseling and performance development

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• Incentive plan based on Bank and individual/team goals

• Focuses the efforts of Bank employees on fulfilling the Bank’s vision within the framework of the Bank’s shared values

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• Employees receive service awards upon completion of three years of service

• Service is also recognized incrementally from five years of service up to thirty or more

• Casual business attire

• Civic Center Outing

• Breakfast at the Bank welcoming daylight savings time

• Golden Circle Games

• Iowa Cubs Outing

• Happy Hour Downtown

• Picnic at Raccoon River Park

• Tailgate Lunch

• Holiday Potluck

• Matched donations to eligible charitable organizations

• Participation in Bank-sponsored community involvement activities

• Free parking available in close proximity to the Bank or

• 100% reimbursement of the cost of a monthly bus pass

• Rideshare reimbursement

• Intranet communications to keep employees up-to-date on events and activities




• On-line Self-Service allows employees access to personal, payroll, tax and benefits information




• On-line timekeeping system

• All employees are paid on a semi-monthly basis on the 15th and the last day of the month

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