First International Bank & Trust
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At First International Bank & Trust our employees are our most valued asset. Our benefit plan is specifically designed to provide you with the tools and resources you need to be happy, healthy and financially secure. We offer a comprehensive and competitive package of benefits to our employees based upon their employment status.

You and Your Family
First International Bank & Trust benefits are designed to help improve your health and the health of your family. Additional benefits outlined below are intended to provide you comfort, security, and financial peace of mind during your times of need.

Medical Plan
Group Medical coverage, featuring a Health Savings Account (HSA), provides both traditional medical coverage and a pre-tax way to help you build savings for future medical expenses. First International Bank & Trust contributes cash to your HSA each pay period. Matching contribution amounts are based upon your employment status and your selected medical coverage. Health Savings Accounts are designed to assist you in building a portable health fund for the future. The Group Medical Plan features a high annual deductible with an out-of-pocket maximum. The out-of-pocket maximum protects you against large medical expenses. A sixty-day waiting period applies.

Life Insurance and AD&D Insurance
First International Bank & Trust provides, at no cost to you, group life insurance and accidental death and dismemberment insurance. Coverage begins the first of the month following your hire date.

Long Term Disability
First International Bank & Trust provides long-term disability coverage in the event you become disabled. This benefit is offered at no cost to you and is available after a ninety (90) day waiting period.

Flexible Benefit Plan
First International Bank & Trust has a flexible benefits program, which allows you to use pre-tax dollars to pay for certain medical and dependent care expenses. There are three components of our flexible benefits program:
  • Medical Spending Account –The annual maximum contribution to this account is $2,500.
  • Dependent Care Spending Account – The annual maximum contribution is $5,000.
  • Premium Conversion – This program allows you to payroll deduct your portion of the health and AFLAC premiums on a pre-tax basis.
You may enroll in the Flex Plan at your time of hire and every January 1st thereafter. Please note that if you utilize the health savings account, you qualify for a limited Medical Spending Account.

Sick Leave
You will accrue 4 hours per month into your sick leave bank, beginning with the 1st pay period. To offer you greater flexibility, you may use sick and vacation leave in 2-hour increments.

Vacation Leave
First International Bank & Trust awards your vacation annually. The amount of vacation you earn grows with your years of service. Along with vacation days, First International Bank & Trust observes most federal holidays.

Holidays
The following holidays are recognized - New Year’s Day; President’s Day; Memorial Day; Independence Day; Labor Day; Veteran’s Day; Thanksgiving; and Christmas Day (or one other religious holiday).

Wellness
We encourage you to be healthy and fit. First International Bank & Trust will reimburse $20.00 per month for most employees towards the cost of a health club membership.

Your Future
First International Bank & Trust has many benefits to assist you in reaching your lifelong financial goals.

401(k) Profit Sharing Plan
After 12 consecutive months of your employment with First International Bank & Trust, during which you work at least 1,000 hours and attainment of age 21, you will be eligible to participate in the 401(k) profit sharing plan. First International Bank & Trust will match funds to a certain percentage of employee contributions, up to a maximum of 5%, dependent on your contributions and plan stipulations.

Employee Discounts
As an employee of First International Bank & Trust, you will have access to certain bank services at a discounted, reduced service charge.

School/Seminar Reimbursement
Upon management approval and continued tenure qualifications, First International Bank & Trust may pay costs for Banking school or any schooling or seminars that would enhance your job performance, enabling you to continue in your professional goals.

First International Bank & Trust is an Equal Opportunity Employer.
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First International Bank & Trust © 2014
100 North Main
Watford City, North Dakota 58854
1-800-359-8092 webmaster@firstintlbank.com
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