Home State Bank offers a comprehensive and competitive benefit plan to its associates which includes company contributions to medical, dental, disability, life and AD&D insurances.

Aware of the growing expenses when caring for a family and a future, the Bank also provides access to pre-tax health and dependent care savings as well as a 401k plan for investments.

Readily acknowledging the need for employees’ time away from their careers, the Bank offers paid vacation, personal and sick time in addition to presenting incentives for proven excellence in attendance.

Please take a moment to review the information offered in this brochure. Any questions regarding the benefits provided by Home State Bank to its employees may always be directed to the Human Resources Department.


Home State Medical Benefits


  • Available to all regular full time associates
  • Humana Healthcare PPO plans
  • Bank pays significant portion of premium costs
  • Pre-tax healthcare and dependent care flexible spending savings accounts available through ADP
  • AFLAC optional coverage at employees’ expense 
  • Wellness Go365 Program - Company paid Fitbit for associate to use (received a 6% reduction in renewal costs due to high participation rate)
  • Flu shots provided for associates, paid for by bank

Home State Dental Benefits


  • Available to all regular full time associates
  • Humana Dental PPO plan
  • Bank pays significant portion of premium costs


Home State Vision Benefits 


  • Available to all regular full time associates
  • VSP Vision Plan
  • Bank pays significant portion of premium costs


 Home State Insurance Benefits


  • Bank paid Life and AD&D insurances for all regular full time employees ($50,000 each plan)
  • Additional voluntary insurance coverage available at the expense of the employee (employee, spouse, child)

Home State Disability Insurance


  • Long Term and Short Term disability pay for all regular full time employees after one year of employment
  • Compensated at one week per year of service up to twelve weeks maximum for short term disability
  • 60% of base salary coverage for long term beginning after the 26th week of disability


Home State Time Off Benefits


  • Bank paid holidays (New Year’s Day, Martin Luther King, Jr., President’s Day, Memorial Day, 4th of July, Labor Day, Columbus Day, Veteran's Day, Thanksgiving Day, Christmas Day) for FT associates
  • Additional personal day to be chosen individually by FT associates
  • Paid 2 weeks vacation, increasing to 3 after 5 years of service and 4 after 15 years (pro-rated 1st year) for FT associates. PT associates may be eligible for 1 week of vacation
  • One week sick compensation annually for FT associates, ability to roll one week unused sick time


Home State Investment Benefits


  • Bank contributions to 401K plan based on profitability through Penserv
  • Optional employee funded Traditional or Roth 401k plan

Home State Bonus Benefits


  • Referral Bonus of $250 for recommending individuals for employment with the Bank. Associate must be hired and still employed with the Bank after 6 months 
  • Perfect Attendance bonus for working a calendar year without taking sick time
  • WOW Suggestion bonus for presenting original ideas to make positive changes at Home State Bank (Awards are $50 and/or 1/2 day of paid time off)
  • Officers are excluded from the above bonus benefits


Home State Banking Benefits


  • One free checking account with personalized checks
  • One 3x5 Safety Deposit Box at no cost after 6 months
  • Cashier’s checks and personal money orders
  • Computer Loans at 0% after 90 days


Home State Education Benefits

  • Tuition reimbursement for career related courses for eligible full time associates
  • Online training classes to keep associates current in their positions

Home State EAP Benefits


  • Provided to all associates and their immediate families (up to 3 sessions)
  • Free of cost counseling for a variety of life problems


Home State Social Benefits


  • All Associate Dinner for annual meeting and employee recognition for service.
  • Holiday Party at Boulder Ridge for associates and a guest.
  • Bank pays for all associates that would like to participate in the 5K Run for the Raue in Crystal Lake and the Crystal Lake Half Marathon.
  • Halloween costume contest - individual and department prizes.
  • Each associate is invited to lunch with the President once per year.
  • Ability to participate in the parades with your family.
  • Sports Days to support local teams in the championship finals.
  • Monthly bagel visits with the President or EVP to promote open communication.
  • Health Fair in Crystal Lake for associates to attend once per year.
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