Prairie State Bank & Trust

800.597.2977
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Deposit Accounts


Simplified Business Checking

Prairie State Bank & Trust Simplified Business Checking account is ideal for small businesses, or businesses that do not have a large amount of activity. This account was designed with sole proprietors and partnerships in mind.

Features

  • No monthly maintenance fee with an average daily balance of $1,500 or greater and fewer than 150 items per statement cycle, or an average daily balance of $15,000 or greater.
  • If the total activity is greater than 150 items per statement, a $.25 per item fee will be assessed for each item over the limit.

Benefits

  • Unlimited transactions per month
  • Free VISA Business Debit Card
  • Access to other Business Services
  • Bill Pay Service

Enhanced Business Checking

Enhanced Business Checking is designed for businesses that are growing or have large transaction volume and are looking for the most cost-effective way to bank.

Features

  • To eliminate or offset account activity fees, an earnings credit is calculated based on your monthly average collected balance.
  • $8.00 Monthly Maintenance fee
  • $ .15 per debit/credit/ACH item
  • $ .09 per item deposited

Benefits

  • Unlimited transactions per month
  • Free VISA Business Debit Card
  • Access to other Business Services
  • Bill Pay Service

Non-Corporate NOW Account

Non-Corporate NOW Account is designed for sole proprietorships, governmental agencies, public funds and non-profit entities.

Features

  • No Monthly Maintenance Fee for accounts with a minimum daily balance of $1,000 or greater.
  • Earn interest on your entire account balance.
  • Interest is compounded and credited to your account monthly

Benefits

  • Unlimited transactions per month
  • VISA Business Debit Card
  • Access to other Business Services
  • Bill Pay Service

Non-Personal Savings

Non-Personal Basic Savings allows you to save at any pace you decide with access to your funds anytime.

Features

  • $100 Minimum to open
  • Interest Earning, credited quarterly
  • 3 withdrawals per month
  • Monthly Maintenance Fee of $2.00 will be waived if you maintain a minimum daily balance of $100 or more