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Deposit Operations Jobs in Iowa (NOW HIRING)

Nicolet National Bank

Universal Banker II

West Des Moines, IA · On-site

$16.50 - $20.75/hr

Teller Operations & Cash Management: * Accurately process deposits, withdrawals, loan payments, transfers, cashier's checks, and other transactions. * Balance cash drawer; assist with vault, ATM ...

Hills Bank

Assistant Branch Manager

Iowa City, IA · On-site

Branch Operations: * Manage all branch cash functions, including maintaining sufficient currency ... Accurately, efficiently open various types of deposit accounts, such as checking, savings and money ...

Nicolet National Bank

Personal Banker I

Muscatine, IA · On-site

$18 - $22/hr

Process deposits, withdrawals, payments, transfers, official checks, and related financial ... Operational Excellence, Risk amp; Compliance: * Adhere to regulations and operational standards.

Nicolet National Bank

Personal Banker I

Muscatine, IA · On-site

$18 - $22/hr

Process deposits, withdrawals, payments, transfers, official checks, and related financial ... Operational Excellence, Risk & Compliance: * Adhere to regulations and operational standards.

Farmers State Bank

Personal Banker/Mortgage Hybrid

Tiffin, IA · On-site

$17.50 - $21.50/hr

... deposit accounts, including certificate of deposits, checking accounts, and saving products ... operations and proceduresCompliance and regulation of consumer lendingOther bank productsStrong ...

Iowa State Bank

Bank President

Orange City, IA · On-site

The President provides day-to day leadership and management of the Bank's operations, branch network, lending, deposit, and customer relationship functions, ensuring alignment with strategic ...

Farmers State Bank

Personal Banker/Mortgage Hybrid

Tiffin, IA · On-site

$17.50 - $21.50/hr

... deposit accounts, including certificate of deposits, checking accounts, and saving products ... Financial institution operations and procedures * Compliance and regulation of consumer lending

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Deposit Operations information

See Iowa salary details

$10

$24

$50

How much do deposit operations jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for deposit operations in Iowa is $24.65, according to ZipRecruiter salary data. Most workers in this role earn between $16.73 and $28.46 per hour, depending on experience, location, and employer.

What is deposit operations?

Deposit Operations refers to the back-office functions in a bank or financial institution that handle the processing, maintenance, and management of deposit accounts such as checking, savings, and certificates of deposit. This department ensures that transactions like deposits, withdrawals, transfers, and account maintenance are processed efficiently and accurately. They also ensure compliance with banking regulations, manage risk, and provide support for customer service teams. Their work is crucial for the smooth functioning of day-to-day banking activities and safeguarding customer funds.

What are some common challenges faced in a deposit operations role, and how can new team members prepare for them?

Deposit Operations professionals often encounter challenges such as managing high transaction volumes, ensuring regulatory compliance, and quickly resolving discrepancies in account activity. New team members can prepare by familiarizing themselves with industry regulations, developing strong attention to detail, and improving their proficiency with banking software systems. Regular collaboration with other departments, such as IT and customer service, also helps ensure smooth processes and timely issue resolution. Being proactive in communication and staying organized are key to thriving in this fast-paced environment.

What are the key skills and qualifications needed to thrive in deposit operations, and why are they important?

Deposit Operations professionals require strong attention to detail, knowledge of banking regulations, and experience with account reconciliation, often supported by a background in finance or banking. Familiarity with core banking systems, transaction processing software, and compliance monitoring tools is typically essential. Strong organizational skills, problem-solving abilities, and effective communication set individuals apart in this role. These skills ensure accurate transaction processing, regulatory compliance, and efficient resolution of issues, all of which are vital for maintaining the integrity of banking operations.

What is the difference between Deposit Operations vs Loan Operations?

AspectDeposit OperationsLoan Operations
Required CredentialsTypically requires banking or finance certifications, basic accounting knowledgeSimilar certifications, with additional focus on credit analysis
Work EnvironmentBank branches, back-office banking departmentsLoan processing centers, back-office banking units
Employer & Industry UsageCommercial banks, credit unionsCommercial banks, mortgage companies
Common Search & Comparison IntentUnderstanding deposit handling, account managementLoan processing, approval procedures

Deposit Operations and Loan Operations are both essential banking roles but focus on different financial products. Deposit Operations handles account deposits, withdrawals, and account maintenance, while Loan Operations manages loan processing, disbursement, and repayment. Both roles require similar certifications and work within banking environments, but they serve different functions within financial institutions.

What are the most commonly searched types of Deposit Operations jobs in Iowa?

The most popular types of Deposit Operations jobs in Iowa are:

What are popular job titles related to Deposit Operations jobs in Iowa?

For Deposit Operations jobs in Iowa, the most frequently searched job titles are:

What job categories do people searching Deposit Operations jobs in Iowa look for?

The top searched job categories for Deposit Operations jobs in Iowa are:

What cities in Iowa are hiring for Deposit Operations jobs?

Cities in Iowa with the most Deposit Operations job openings:

Deposit Operations jobs near you
Infographic showing various Deposit Operations job openings in Iowa as of August 2026, with employment types broken down into 2% As Needed, 81% Full Time, 13% Part Time, 1% Temporary, 2% Contract, and 1% Nights. Highlights an 93% Physical, 3% Hybrid, and 4% Remote job distribution, with an average salary of $51,273 per year, or $24.7 per hour.

Universal Banker II

Nicolet National Bank

West Des Moines, IA • On-site

$16.50 - $20.75/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 26 days ago

Nicolet National Bank rating

8.1

Company rating: 8.1 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

67th of 175 rated banks

Job description

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, Iowa, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development.
The Universal Banker II will play a key role in driving new customers and business while expanding existing relationships for Nicolet and your branch, serving as a trusted frontline advisor who reflects Nicolet's culture, values, and commitment to an exceptional customer experience.
You perform all responsibilities of a Universal Banker I-including teller operations, digital support, and needs-based referrals-with the added capability of opening and servicing consumer deposit accounts. You engage customers in deeper financial conversations, recommend appropriate Nicolet solutions, and ensure accurate, compliant account-opening experiences. You also play an important role in identifying and referring credit opportunities, connecting customers with Personal Bankers or lending specialists.
You help support branch performance through strong customer engagement, proactive referrals, accurate operations, and adherence to regulatory and compliance standards.
As a Universal Banker II, you will:
Customer Experience & Relationship Building:
  • Deliver welcoming, professional service across in-person, phone, and digital channels.
  • Conduct meaningful, needs-based conversations to understand customer goals and recommend solutions.
  • Provide accurate assistance for servicing requests with timely follow-up to ensure satisfaction.

Teller Operations & Cash Management:
  • Accurately process deposits, withdrawals, loan payments, transfers, cashier's checks, and other transactions.
  • Balance cash drawer; assist with vault, ATM, night depository, and dual-control responsibilities.
  • Identify suspicious or fraudulent behavior and escalate appropriately.

Deposit Account Opening & Servicing - Primary Differentiator:
  • Open and service consumer deposit accounts (checking, savings, money market, CDs).
  • Complete account maintenance, customer information updates, and documentation reviews accurately.
  • Ensure compliance with onboarding, KYC, CIP, identity verification, and policy requirements.
  • Educate customers on account features, benefits, and digital access tools.

Sales, Referrals & Financial Guidance:
  • Identify financial needs and recommend appropriate Nicolet products and services.
  • Meet referral, service, and activity expectations aligned with branch goals.
  • Refer customers to partners for consumer loans, home equity loans/lines, credit cards, business banking, and investment/wealth services.
  • Maintain disciplined outreach, follow-ups, and pipeline management.
  • Contribute to the achievement of business objectives by conducting internal and external sales calls and other business development activities.

Problem Resolution & Service Recovery:
  • Resolve account issues, transaction discrepancies, fee inquiries, and debit-card concerns with professionalism.
  • Use sound judgment to escalate complex issues to Personal Bankers or leadership.

Operational Excellence, Risk & Compliance:
  • Follow Nicolet policy and applicable regulations (BSA/AML, KYC, OFAC, Reg CC, Reg E, privacy, and security).
  • Maintain accurate records, documentation, and audit-ready practices.
  • Adhere to branch operations procedures and risk-mitigation standards.

Team Collaboration & Community Engagement:
  • Participate in team huddles; share observations and support branch goals.
  • Represent Nicolet in community involvement and customer-engagement activities.
  • Provide informal support to Universal Banker I colleagues, helping build skill and confidence.

General:
  • Uphold Nicolet's philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet.
  • Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status or other non-job-related classification, including a commitment to Nicolet's policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.
  • Performs all other duties as assigned.

Qualifications:
  • High school diploma or equivalent required.
  • 1-2 years of banking, customer service, or cash-handling experience required.
  • Prior experience opening consumer deposit accounts preferred.
  • Exposure to branch sales, referrals, and basic financial-services concepts strongly preferred.
  • Customer-service excellence with strong communication and interpersonal skills.
  • Knowledge of deposit products, digital tools, branch operations, and onboarding processes.
  • Ability to conduct needs-based conversations and make confident product referrals.
  • Accuracy and attention to detail in account opening and cash-handling environments.
  • Strong organizational and problem-solving skills; ability to prioritize in a dynamic environment.
  • Proficiency with banking systems, digital platforms, and Microsoft Office.

Benefits:
  • Medical, Dental, Vision, & Life Insurance
  • 401(k) with a company match
  • PTO & 11 1/2 Paid Holidays

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position.
Equal Opportunity Employer/Veterans/Disabled

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