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


• PPO Plan


• Prescription Drugs - 2 tier plan


• Annual Eye exams

• 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

• Reimbursement of 50% of the cost of a membership in health clubs; including YMCA, YWCA, racquetball clubs, health spa, etc.
• Up to a maximum of $200 per year

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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

• Sick leave benefits are accrued monthly at a rate of 10 days per year

• Bank-paid life insurance of one 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


• Fourteen investment fund options


• 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


• Vacation accruals are based on grade and years of service

• 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% reimbursement of tuition and fees for successful completion of job-related coursework leading towards a business degree


• 100% reimbursement of tuition and fees for successful completion of BAI coursework


• Opportunities to participate in job-related conferences and seminars

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


• Career counseling and performance development

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• Provides employees with a financial stake in the Bank’s overall performance in the form of “at-risk” compensation


• Encourages employee understanding of factors impacting financial performance and growth initiatives

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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


• Casual Fridays

• Civic Center Outing


• Breakfast at the Bank welcoming daylight savings time


• Golden Circle Games


• Iowa Cubs game


• 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


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

• 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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