Keep Your Data Safe & Secure

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Posted On: December 21, 2018 by Peoples Bank of Kankakee County in: Cybersecurity General

Did you know that an alarming 73 percent of all Americans have become victims to some type of cyber crime? We are constantly glued to our devices; whether we’re checking emails or browsing social media, we have so much to do with so little time. Are we really paying close attention to ensure our personal data is kept safe and secure? We can’t forget about the basics when it comes to protecting your information, so read these 5 ways on how to keep your data protected and unharmed.

Update With Security Software - If possible, regularly update your devices with security software. Security software will protect your data from any random attacks from viruses and hackers. Any older software won’t be able to protect your data from the latest viruses. Cyber attacks are increasing, so it is important to keep on top of the latest updates.
Be On Wi-Fi Watch - When you step into a different place that does not have secure Wi-Fi, you will want to be wary. Often times we think nothing about connecting to “Free Wi-Fi,” because it has become second nature. However, hackers are able to position themselves in an area where they can receive direct access to your data between you and the access point. So, if you are someone who regularly uses public Wi-Fi, be careful -- you can be at serious risk!
Protect With A Password - There are passwords for everything nowadays, especially with accounts that use personal information. With that being said, the simpler the password you have, the easier it is for a hacker to gain information. Passwords may never be completely secure, but be sure to follow password tips. Some tips include: password length of at least eight characters, use upper and lowercase letters, combine symbols and numbers, and use different passwords for each of your accounts. Utilizing these tips can ensure an increase in protection of your personal data. Additional tips can be found here.
Don’t Click On Emails From Unknown Sources - Be sure to stay alert when filtering through your emails. Hackers are getting smarter every day, therefore it is imperative that you know exactly who your emails are from and if they are legitimate. If there are any emails that you may not recognize, don’t open the attachments or respond. If you are ever suspicious of the authenticity -- report it!
Physical Data Is Still Out There - Yes, we are undoubtedly in a digital world. But, in the workplace there are still many instances where printed files and documents are needed. In order to make sure your data stays safe and secure, you will want to make sure you are the holder of all information that is important to you. Secondly, when you need to dispose of any data information, use a shredder so it all becomes completely distorted. It may also be helpful to use locked filing cabinets for any of your private information.

By taking these extra measures, you can help ensure your personal data is safe and secure. Pay closer attention to your surroundings, as greater awareness decreases the chance of cyber crime. If you have additional questions, contact us today!

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.