Prairie State Bank & Trust

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Business Services


Commercial Cash Management

Let cutting edge technology simplify your management of your business. Take control and make the best use of your business deposit account dollars and your time by utilizing online Cash Management services.  With Cash Management, you will be able to perform the following functions:

Account Detail

  • View account balances, posted deposits, checks, wire transfer and ACH transactions
  • View images of paid checks


  • Setup employees with individual access to accounts and functions
  • Transfer funds to other Prairie State Bank & Trust accounts
  • Make loan payments
  • Download account transactions to QuickBooks, Quicken or excel
  • Setup balance alerts
  • Originate ACH transactions such as
    • Employee direct deposit
    • Customer or tenant automatic debits
  • Initiate EFTPS® payments
  • Initiate outgoing wire transfers
  • Bill pay service


  • Account activity reports
  • User reports
  • View and print your monthly statement

Bill Payment

  • Click here to complete the Bill Payment Calculator to determine your cost to write and mail checks for your business.

Remote Deposit Capture

This technology allows our business customers to make deposits into their account, without leaving the comforts of the office. Remote Deposit Capture offers you the flexibility to deposit checks to different accounts, and research and view checks you have deposited without having to come to or call the bank.

Do you know what it costs your company to deposit checks at the bank? Click here to find out.

Lockbox Processing

Save time and money while having access to your money faster. With Lock Box Processing we will pickup, process, deposit and return to you a copy of the invoices remitted to you each business day.

Check Recovery

Never spend valuable time or money trying to collect a bad check again! Our free Commercial Check service, Re$ubmitIt, significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate. You collect more returned checks, with less effort, and get 100% of the face value of all checks that are collected electronically.

Merchant Card

Looking for additional ways to increase revenue or expand payment options for your customers? If you are, consider accepting debit and credit cards from your customers to pay for the products or services they purchase. Our Merchant Card service will make accepting these payments quick and easy to provide your customers with more payment options and to help increase sales. Prairie State Bank & Trust provides high quality, state of the art equipment, software and processing options for all major credit cards, debit cards and stored value cards. Solutions include EMV ready equipment, Point of Sale systems, Mobile devices, and Internet processing. These solutions allow you to accept cards at your business location, away from your office with a mobile device, over the telephone or through your website to improve the timing of your receivables and making it easy for your customers. And if you still accept checks, the Merchant Check Guaranty feature will help ensure the checks you accept from your customers will clear the bank. Interested? Contact your branch and ask for the Business Services Relationship Manager to discuss the benefits of Merchant Card Services.

Already Accepting Credit Cards With Another Processor?

To request A Free No Obligation Comparison of Merchant Card services, contact your branch and ask for the Business Services Relationship Manager to discuss your current process, equipment used, what is needed to complete a comparison, and the benefits of our Merchant Card Services.

Federal Tax Payments

Electronically submit your tax payments to the federal government. These payments can be made either directly through the EFTPS® link, or through our Commercial Cash Management service.

Business Services Relationship Manager

If you are interested in improving your office efficiency of managing your deposit accounts, collecting and processing receivables, or paying your vendors, we encourage you to contact Jasen at (217) 547-7175. Jasen has the experience and understanding of how businesses, organizations and municipalities operate and will explain the services available and their benefits to assist you to meet your needs.