How to Protect Your Social Media Accounts

Home Blog How to Protect Your Social Media Accounts

Posted On: February 18, 2021 by Peoples Bank of Kankakee County in: Cybersecurity General

Social media is growing and expanding each day, with nearly 3 billion people on Facebook and over 2 billion on YouTube. Platforms like these along with Instagram, Twitter, Snapchat and more require usernames and passwords, but there’s always the unfortunate chance that your account is compromised. We’re here to provide you with a few simple things you can do to protect your social media accounts.

Two-Factor Authentication

Adding an extra step to your login process is always a good way to protect your account from being hacked. Examples of two-factor authentication include having to enter a code sent to your phone, scanning your fingerprint or using face ID in order to confirm your identity. Most social media platforms offer this as an option in settings.

Try Out a Password Manager

Not only is it important to have a strong password, but you should also vary your passwords across your social media accounts. If you use the same password for every account and one gets hacked, then they’re all compromised. Be sure to include numbers, upper and lowercase letters and special characters to make each password unique. It’s also smart to update your passwords periodically. Keeping track of all of them may seem tricky, but an online password manager will take care of that for you.

Double-Check Your Friends

Now’s a good time to go through your Facebook friends and make sure you know them all. If you get a friend request but you don’t know the person who sent it, just decline it and stick to the people you’re familiar with. One common way hackers access your information easier is by making fake accounts and sending you a request so they can see more of your personal information.

Don’t Overshare

Even if all of your friends or followers are people you know, you still want to be careful what you’re sharing online. Don’t share personal information like your address, social security number, financial information or other things you wouldn’t want people knowing. Think of everything you share online as permanent for anyone to access, whether it’s shared in a private group or not.

See What’s Provided in Your Profile

To go along with the previous point, there are some things your friends can see without harm. For example, having your hometown in your private profile usually does no harm since the people you know most likely already know this information about you. The important part is to make sure those things are private and only accessible to your friends rather than on your public profile.

With new and exciting technology comes the necessity to keep your information secure, private and protected. Following the above tips and guarding your social media accounts will help you avoid hackers who can compromise your personal information. While you’re reviewing your social media accounts, be sure to Like and Follow us on Facebook!

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.