5 Fun Home Fitness Routines

Home Blog 5 Fun Home Fitness Routines

Posted On: April 21, 2021 by Peoples Bank of Kankakee County in: General

Here’s a tip: a healthy lifestyle means a healthy bank account! Individuals who take care of their physical health typically pay less in medical bills and prescriptions for preventative health issues. The sooner you start a home fitness routine, the sooner your bank account will thank you! Here are five fun home fitness routines to consider and the financial pros and cons of each.

1. Indoor cycling is a great exercise to do from home with a stationary bike. Since the cost of a stationary bike is pretty steep, many people opt for a monthly payment plan or choose to purchase a used bike.

Costs:

Stationary bike
Optional (but very useful) cycling shoes
Optional subscriptions for cycling workouts and classes

Pros:

Monthly cost is typically less than or equal to a gym membership
Can get a full body workout with just the one piece of equipment

Cons:

Takes up a lot of space if you have a small house or apartment

2. Free fitness apps are a very cost-effective way to work out from home. Most fitness apps, like Nike Training and FitOn, offer a free version of the app.

Costs:

Optional equipment used by app instructors

Pros:

No expenses
Easy to use on your phone

Cons:

Don’t get access to premium features that cost money
Often requires space to spread out on a mat and perform exercise movements

3. Fitness app subscriptions are usually just the paid version of whatever fitness app you choose to use. They often come with extra features such as workouts and helpful fitness articles.

Costs:

Monthly subscription fees
Optional equipment used by app instructors

Pros:

Easy to use on your phone
Get extra workouts, recipes and tips with your plan

Cons:

Not economical if you don’t use the premium features
Can sometimes limit your workout variety

4. At-home gyms are a great way to get a full body workout using a variety of equipment. Households usually utilize free weights, cardio equipment and more depending on what the space allows.

Costs:

Additional square footage in the home
Free weight set
Desired cardio equipment (ex: elliptical)
Proper gym flooring or mats

Pros:

Only have the one-time purchase of the equipment
Easier to get to and use than a gym

Get a variety in your workouts

Cons:

Very expensive to get started

5. Outdoor workouts such as TRX bands, trail running and biking offer exceptional options for getting some fresh air while you work out.

Costs:

Optional equipment such as a new bike or running shoes

Pros:

Equipment is inexpensive compared to annual gym subscriptions or heavy-duty gym equipment

Cons:

Weather limits how much time you can spend outside in regions of the country, like Illinois, where the winters can get harsh

We hope this is helpful information to keep your body and your bank account healthy! For additional ways to keep your bank account healthy, download our mobile app or check out our website!

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.