Prairie State Bank & Trust
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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 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 Banking Specialist 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 Banking Specialist to discuss your current process, equipment used, what is needed to complete a comparison, and the benefits of working with our Merchant Card Services and Business Banking Specialist.

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