Wanted: Out of the Box Thinkers

If this describes who you are, we are interested in speaking with you. Cornerstone Bank is changing the face of banking and we understand that we are only as strong as our employees. To attract the best talent in our industry, we provide a stellar group of benefits to our employees. It's our way of saying thanks for a job well done. And we know it builds loyalty and longevity with our staff. So take a look and see if it meets your needs.

• Medical Benefits
• Retirement Savings Plan
• Time Off
• Disability and Insurance
• Current Opportunities

Benefits

Here are the details of the benefits program at Cornerstone Bank for full-time employees. Medical benefit coverages are effective on the 1st of the month following a new employee’s date of employment.

Medical

Blue Cross Blue Shield provides Cornerstone Bank’s comprehensive medical coverage. Employees may choose from an HMO or PPO plan. The co-pays, deductibles, and the semi-monthly premium employees are responsible for paying will differ according to the plan that is chosen and the number of eligible covered dependents. Cornerstone Bank’s medical benefit also provides prescription benefits as well as a mail order option for prescription maintenance drugs.

Dental

Dental coverage is a passive PPO, meaning employees may choose their own dentist or a dentist from the list provided by our carrier, United Concordia. Preventative services are covered at 100% of reasonable and customary charges and include up to two visits per year, per covered individual. There is a small annual deductible for basic or major services. There is a generous annual maximum benefit. Orthodontic coverage is available for dependents under 18 years of age.

Vision

Vision coverage is provided through EyeMed Vision Care. Coverage includes an annual eye exam as well as a frame and lense allowance or contact lenses allowance.

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Employee Assistance Plan

Employees and their immediate family members are provided professional assistance (at no cost to the employee) with marriage and family concerns, interpersonal difficulties, stress management, etc.

Flexible Spending Account (FSA)

This benefit provides tax and income advantages for certain types of health and dependent care expenses. FSA may be used to reimburse out-of-pocket medical, dental, and vision care expenses, or dependent care expenses that are defined as eligible by the Internal Revenue Code.

KSOP Retirement Savings Plan

401k and Employee Stock Option Plan
You are eligible to enroll in Cornerstone Bank’s retirement savings plan effective the first day of the month following your date of employment. You may defer up to 92% of your income, up to an annual maximum of $15,000 during 2006. (Employees over 50 years of age may contribute up to an additional $5,000.) Cornerstone Bank will match $1 for $1 up to 3% and .50 cents on each dollar for 4 and 5% that the employee contributes. In addition to the Nationwide funds that you may contribute too, you also have the option of choosing to invest all or a portion of your contributions into the company stock as well.

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Time Off

We understand and value the balance between our employees' professional and personal lives. We make sure there is adequate time out of the office to rejuvenate and spend time with families.

Vacation

Vacation accrual begins the first of the month after the employee’s date of employment. This means during your first calendar year of employment, you are eligible for a pro-rated number of vacation days based upon the number of months worked that year.

Holiday, Illness and Personal Days

Employees are eligible for paid holiday, sick and personal days during each calendar year.

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Disability and Insurance

While no one likes to think the future may bring catastrophe, it is always best to plan for the worst. We have a variety of programs to assist our employees in making sure they and their loved ones are cared for.

Long-term and Short-term Disability

Cornerstone Bank provides long-term and short-term disability coverage at no cost to the employee. Employees are also eligible to purchase Supplemental Income Protection that increases the percent of the disability payment to the employee.

Cancer Insurance

This coverage is provided by AFLAC and employees may choose coverage for themselves, as well as, spouse and/or children. The cancer coverage provides the employee with a first occurrence benefit when a covered person is diagnosed with internal cancer as well as a cancer screening wellness benefit.

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Accident Insurance

This coverage is provided by AFLAC and employees may choose coverage for themselves, as well as spouse and/or children. The accident coverage provides the employee with an accident emergency room treatment reimbursement benefit, an accident follow-up benefit, and an accident hospitalization benefit.

Life Insurance

Cornerstone Bank provides employees with a generous life insurance benefit (with an additional Accidental Death and Dismemberment rider) at no cost to the employee. There is also an option of purchasing Supplemental Life Insurance for the employee, spouse and/or child.

Long-Term Care Insurance

You also have the option of purchasing a long-term care policy, which is administered by Prudential. After the policy is issued and once you qualify, long-term care coverage pays you for covered care received in your home or Assisted Care Facilities.  Employees have the flexibility of purchasing the level of coverage that meets their individual needs.  Coverage may be purchased by the employee for themselves, spouse, grown children and even their parents at group discounted rates.

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Current Opportunities
We know that resumes come attached to dreams.

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