Prairie State Bank & Trust
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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

Rewards:

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


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.)