Prairie State Bank & Trust
Online Banking
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Other Services

Night Deposit Processing

Having trouble getting to the bank before close? Simply place your deposit into our Night Depository for processing the next morning. As soon as the deposit has been processed, you will be able to view it through our Online Banking service, or 24 hour Telephone Banking service.

Visa Business Credit Card

Élan® Visa® business credit cards offer great rewards for every dollar spent and can help you track and manage expenses.

Business Cards:

  • Visa® Platinum Business Rewards – earns rewards on everyday business purchases, with double points on gas, telecomm and restaurant purchases
  • Visa® Business Travel – delivers double rewards on travel and lodging expenses, the perfect choice for frequent travelers
  • Visa® Business – offers valuable business Visa® benefits in a flexible, low rate card
    Click here for an application


Élan rewards programs help to deliver exceptional value and superior rewards.  Points add up quickly and redeeming rewards is easy and fast.  You can redeem points for unlimited cash back; gift cards, merchandise and charity options, as well as being able to choose your own rewards.  Purchase any item at any store, and call in to use your points for the purchase.  It is that easy!

Click here to learn more about VISA® Online Security

Click here to enroll in the Verified by VISA® service

Payroll Cards

Would you like to have all your employees on direct deposit, or automate your expense reimbursement process? Our Xpress Paycard service will help you reduce your overall expense of payroll processing or expense reimbursement. It may also help your employees who receive a paycheck to manage their money better. This is a no cost service to your company with full support during and after the initial set up. For employees without a checking account, Xpress Paycard allows them to not have to turn their paycheck into cash but to use the card to make purchases at retail stores who accept MasterCard, withdraw at ATM’s or retail stores, pay bills with the Bill Pay feature, have online access to view their balance and transactions, set up email/text alerts, and deposit pay from a second job or from their spouses job.

If you would like to learn more about this service, contact your branch and ask for the Business Banking Specialist to discuss the benefits of our Payroll Card service.

24 hour Telephone Banking

24 Hour Telephone Banking is another service we offer PSB&T customers to simplify banking. This service allows you to perform customary banking transactions without having the inconvenience of making a trip to the bank.

With 24 Hour Telephone Banking you are able to:

  • Retrieve account balance information
  • Hear your most recent account transaction history, both deposits and withdrawals
  • Transfer funds between two PSB&T accounts
  • Receive information on how to proceed if a Visa® Debit card is lost or stolen
  • Have convenient 24/7 access to your account information

Overdraft Privilege

Rather than automatically returning any insufficient fund items presented against your account, Prairie State Bank &Trust will consider payment of the reasonable overdrafts presented, up to the authorized Overdraft Privilege limit approved for your account, generally up to $1,000.

Request a copy of the Overdraft Privilege Service policy for details about this optional, banking convenience. If you chose to participate in the Overdraft Privilege Service, customary fees will apply. (This service is available upon bank approval.)