Close
Menu

Fall Into Winter Activities

Home Blog Fall Into Winter Activities

Posted On: October 11, 2022 by Peoples Bank of Kankakee County in: Family Home

Fall Into Winter Activities

As cold weather draws near, enjoy the season with some family friendly activities. Here are some ideas: 

1. Host a Tailgate Party 

‘Tis the season for yummy food and FOOTBALL! Why not host a tailgate party? Cheering on your favorite team is a great excuse to gather and eat some yummy food. Need a dish? Include one of these game-day recipes. 

2. Create Your Own Hot Cocoa Bar

You can’t enter wintertime without hot chocolate! Spruce up your typical hot chocolate with flavors and whip cream. A hot chocolate bar is a great make-your-own option to enjoy for a family movie night or friends gathering. 

Here are some unique hot chocolate ideas: 

3. Craft Your Own Chili 

Chili is one of the most loved winter dishes. Perfect your chili recipe this winter. Take it a step further and host a chili cookoff. Invite your friends and family to bring their favorite chili and rate the best one. Another idea is to simply serve your chili and encourage guests to bring a chili topping to share. 

In case you need a recipe to follow, here are some delicious chili recipes to try.

4. Schedule Time For Scrapbooking 

Scrapbooking is a perfect cold-weather activity. Yes, scrapbooking is still a thing and it’s fun for both adults and kids alike. There is no better time to organize your mementos and photos than on a chilly winter’s day.

5. At-Home Movie Night 

How fun would it be for the whole family to have an evening camping in the living room? Movie nights are a great way to enjoy a night in with your favorite snacks and a movie. If this is an afternoon activity, consider creating your own in-door picnic spread to enjoy. Pack your living room with pillows, blankets, snacks, books, games, and even a projector screen to watch your movie or binge-watch a show. Take this time to disconnect and spend some quality time together. 

6. Take a Class 

Winter is a great time to learn a new skill or find a new hobby. Here are some ideas for classes:

  • Yoga
  • Cooking 
  • Painting
  • Scrapbooking
  • Wine Tasting
  • Wine Making
  • Charcuterie Making
  • Pottery Making
  • Wreath Making 

7. Winter Baking Day 

Take a day to enjoy some baking. Bake and decorate some sweet treats to share. This is a creative idea for the kiddos or a day activity with friends. From gingerbread men to sugar cookies, you’ll be stocked with yummy goodies. 

8. Winter Photoshoot

Anytime you can get the family together is a blessing, but a photo of the memories is even better! Here are some winter photoshoot ideas to try with your family. 

Embrace the upcoming chilly weather and have just as much fun as you did this summer with these cold weather bucket list ideas! 

Close
Lost or Damaged Token Forgot Password?
What You Need to Know about Overdrafts and Overdraft Fees

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:

  1. 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.
  2. 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.