Peoples Bank SPLASH Program

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Posted On: December 13, 2022 by Peoples Bank of Kankakee County in: General Local

Since 2017, Peoples Bank has partnered with the local YMCA and the Kankakee Public School System to sponsor the SPLASH Program. This lifesaving program guarantees that every second grader has the lifesaving ability to swim. Nobody is left behind. Over 2,000 children have developed an appreciation of the water, improved self-esteem, and learned to save themselves in case of an aquatic emergency.

Why the SPLASH Program?

The YMCA and Peoples Bank developed the SPLASH Program to address the leading cause of unintentional deaths of children ages 1-14. This challenge is increased by the fact that the city of Kankakee is a river town. With the Kankakee Area YMCA being the primary teacher of swimming lessons, they felt it was important to proactively reach a large population of youth who, due to age, may not yet know how to swim. The SPLASH program addresses the 3 major impediments of teaching kids to be “Safe Around Water” (SAW): transportation, cost, and busy family schedules. The SPLASH program by Peoples Bank removes those challenges and has worked with almost 2,000 children.

Swim lessons are valuable and here’s why:

- According to studies, children who participate in formal swimming lessons are 88% less likely to drown than those who don’t. While swim lessons are fun, they mean the difference between life and death.

- For kids, swimming lessons build self-confidence. More than just confidence in the ability to swim, learning a new skill like swimming builds confidence in kids that they carry out of the pool and into other environments.

- In a group setting like the YMCA swimming lessons, kids develop valuable social skills and learn how to be part of a group, take direction, and interact with peers. These are lessons they take with them long after the swimming lessons are over.

- -Swimming is a lifelong skill that can, and many times does, lead to regular healthy exercise habits, and opens employment opportunities as a lifeguard or instructor when they become teenagers and young adults.

How Big is This Problem?

According to 2022 CDC research, every day about ten people die from unintentional drowning.

- Drowning is the leading cause of death for children. In the United States, more children ages 1-4 die from drowning than any other cause of death. For children ages 5-14, drowning is the second leading cause of unintentional injury death after motor vehicle crashes.

- Boys are four times more likely to drown than girls.

- From 2011-2020, there were an average of 4,012 unintentional drowning deaths each year in the United States.

- An average estimated 8,061 emergency department visits occurred each year from 2011-2020 due to nonfatal drownings.

- 70% of African American children cannot swim.

- 60% of Hispanic/Latino children cannot swim.

- African American children drown at a rate nearly three times higher than their Caucasian peers.

- Chances are high if a child does not learn to swim by age 10, they never will.

- Kankakee County Coroner reports that there have been 19 drownings (12 male, 8 female, ages 2-85) between 2010-2019.

The SPLASH Program Makes a Huge Impact

Peoples Bank of Kankakee County is proud to partner with the YMCA and Kankakee Public School System in this indispensable program. “Of Kankakee County” means we invest in our neighbors, support local, and give back. The SPLASH Program is another example of our commitment to give back.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

We have standard overdraft practices that are available after your account has been open for 30 days and as long as you maintain your account in good standing.
We also offer an overdraft protection plan, Overdraft Protection Sweep, a link to a savings account. It may be less expensive than our standard overdraft practices. To learn more, ask us about this plan.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

After your account has been open for 30 days and as long as you maintain your account in good standing, we do authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

ATM transactions
Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Peoples Bank of Kankakee County pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of up to $30 each time we pay an overdraft.
The maximum daily overdraft fee per presentment or item paid using the Overdraft Reserve Program is $150.00 per day.
No per item handling fee will be charged on de minimis overdrafts. De minimis overdraft for this policy means transactions that overdraw your account by $30 or less.
There is an overdraft fee of $5 per day that will be charged beginning the 4th consecutive business day your account is overdrawn.

Nonsufficient funds (NSF) fees - if an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money in your account and we decide not to pay the item or transaction, you agree that we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times by the merchant or other payee until it is paid, and that we do not monitor or control the number of times a transaction is presented for payment. You agree that we may charge you an NSF fee each time a payment is presented if the amount of money in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.

PAYMENT ORDER OF ITEMS - The law permits us to pay items drawn on your account in any order (for purposes of this section "items" means checks, orders and electronic transactions). To assist you in handling your account with us, we are providing you with the following information regarding how we process those items. When processing checks and orders drawn on your account our policy is to pay lower numbered checks and orders in numerical sequence, but electronic transactions are paid first in the order received. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. However, if the largest items are paid first, your most important items might be paid but it may increase the overdraft or NSF fees if funds are not available to pay all of the items. We think our policy attains a reasonable balance between minimizing additional costs to you and paying your more important items. We encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees.

What if I want Peoples Bank of Kankakee County to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions after your account has been open for 30 days, you may opt in.

You have an ongoing right to change this consent at any time. If your overdraft privilege has been revoked for any reason, the opt-in or opt-out selection may not apply. Please contact your nearest office for more information.

Alternate ways to Opt In/Out or make changes:

By Phone. Our Customer Care Representatives can be reached at 815-936-7600.
By Mail. Peoples Bank of Kankakee County, 333 E. Court Street, Kankakee, IL 60901
In Person. Please visit your local office and ask a representative to help you decide which plan is best for you.