Prairie State Bank & Trust
Online Banking
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Business Banking 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

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.

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 accept payments? Consider Merchant Services for processing credit card and bank debit card payments. In addition, the Merchant Check Guaranty feature will help ensure the checks you accept from your customers will clear the bank.

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 Banking Specialists


Carla is our Business Banking Specialist covering clients in our Southern, Western and Springfield markets. Please contact her if your business is located near one of these following areas:

  • Farmersville, Girard, Virden
  • Jacksonville, Meredosia, Perry, Lewistown
  • Springfield

Please feel free to contact Carla at: (217) 547-7154


Carrie is our Business Banking Specialist covering clients in our Central and Eastern markets. Please contact her if your business is located near one of these following areas:

  • Champaign, Charleston, Mattoon, Bloomington
  • Decatur, Illiopolis, Long Creek, Mt. Zion

Please feel free to contact Carrie at: (217) 864-4913