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ID TheftSmart™

The smart choice for protecting your identity

Don’t become a victim of identity theft. Get ID TheftSmart today and let licensed investigators protect your identity, detect fraudulent activity and restore your identity. Enroll in ID TheftSmart today, and enjoy peace of mind.

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What is Identity Theft?

Identity theft is a crime that impacts millions of Americans each year. The crime occurs when someone invades your life, taking pieces of your personal information – such as your social security number, credit card number, drivers license information, bank account number -- to commit fraud or gain benefits.

The imposter assumes your identity and may obtain credit, open new accounts, obtain new services, make unauthorized transactions, or commit crimes in your name.

 

Our job is to offer protection for your personal and financial information

To help protect your personal and financial data, we’ve partnered with Kroll, an industry leader in ID theft protection and restoration, to offer you ID TheftSmart. Kroll’s licensed private investigators will help you address the issue of privacy and best practices before an event, action after a data exposure, and restoration services in the unfortunate event of an identity theft occurrence. They don’t work alongside you as a ‘counselor,’ but rather with you as an advocate working on your behalf.

 

Single Bureau Credit Monitoring with Consultation & Restoration

For only $4.95 per month you receive the following services:

Services Provided:

  • Credit Monitoring through Experian Credit Bureau
    • New accounts opened
    • Payment delinquency
    • Credit inquiry
    • Public record change
    • Change of address
    • Plus 8 additional categories
  • ID Theft Consulting
    • Best practices for managing personal identifiable information
    • Assist with questions regarding identity theft, security, data breaches, etc.
    • Help review credit reports and scores, placing fraud alerts and credit freezes
  • ID Theft Restoration
    • Licensed private investigator is assigned to work on the case
  • Alert Delivery:
    • Sent real-time via email
    • Receive a monthly email notification even if no suspicious activity is detected

The Kroll Difference

What makes this solution different from the others? In the event you are a victim of identity theft, you will be assigned a personal investigator who will:

  • Confirm identity fraud, its nature, and scope
  • Provide an action plan when information has been compromised
  • Assist in obtaining a police report
  • Work on behalf of the customer until all identity theft issues have been verifiably resolved
  • Place 7-year fraud victim statements with credit reporting agencies when applicable

Kroll has been uncovering and resolving identity theft issues since 1999. Their experts are Licensed Private Investigators, which allows them to have access to databases of personal information that are not accessible to the general public. Their continuous training enables them to tackle any identity theft problem. Don’t wait to become a victim of identity theft. Get protected today.

 

Kroll Accolades

Cyber Security Consulting Vanguard Leader
Best Cyber Security Provider
Best Global Risk & Investigations Consultant
Leader in Customer Data Breach Notification & Response Services
Recommended Vendor for Security Incident Response

ID TheftSmart is not FDIC insured

Need Help?

If you are enrolled in ID TheftSmart and need assistance or suspect you have been a victim of identity theft, please call 855-848-8803. They are available Monday through Friday 6 am – 6 pm.

Otherwise, contact Peoples Bank Customer Care at 815-936-7600 during normal business hours. We’re here to help.

Contact Us

Feel free to speak to our staff by visiting your local branch.

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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.