Prairie State Bank & Trust
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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 maintenance fee with an average daily balance of $1,500 or greater, and fewer than 100 items per statement cycle.
  • Average balance less than $1,500 will have a monthly Maintenance Fee of $8.00
  • Items over the 100 limit will be assessed a $.25 per item fee

Benefits

  • Unlimited transactions per month
  • Free VISA Business Debit Card
  • Free 24-Hour Telephone Banking
  • Access to other Business Banking Services

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
  • Free 24-Hour Telephone Banking
  • Access to other Business Banking Services

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
  • Free 24-Hour Telephone Banking
  • Access to other Business Banking Services

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
  • Free Online Banking and E-mail Alerts
  • Free Online Statement
  • Free 24-Hour Telephone Banking
  • Monthly Maintenance Fee of $2.00 will be waived if you maintain a minimum daily balance of $100 or more