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Popular with employees: The CEO sends employees hand-written birthday cards with a small cash gift.

Popular with employees: More than half of First Horizon's employees take advantage of flexible-scheduling options, such as telecommuting, compressed workweeks or job sharing.

Popular with employees: Each spring and fall, full-time employees can request a 60% reimbursement on up to $600 worth of new clothes.

Bonus/incentive program: 1st National distributes 5% of its quarterly profits to employees, with all full-timers getting an equal share and part-timers receiving half a share. The bank also puts 10% of its profits in a pool that's used to reward employees for things like achieving goals and showing ingenuity.

Popular with employees: The fitness room is always open, and free pedometers are supplied to everyone.

Popular with employees: A highlight of the annual Easter egg hunt is $2,000 of cash hidden in the eggs.

Popular with employees: Somerset's "Lunch with the President" program gives each employee the opportunity to participate at least once a year.

Popular with employees: Employees get their birthdays off and the CEO hosts monthly birthday lunches.

Many of the bank's policies bubbled up through meetings of the Employee Excellence Council, a group of roughly 50 volunteers — from tellers to senior vice presidents — that offers input on benefits, working conditions and anything else that comes to mind.

An employee committee that goes by the name CHEER has one mission: make the $1.5 billion-asset Boiling Springs Savings Bank a fun place to work.