Online and Mobile Banking
Online and Mobile Banking Services
Prairie State Bank & Trust makes banking on-the go easier with our secure, easy-to-use Online and Mobile Banking service. With one convenient login, you can access your personal bank accounts, investment accounts and loan balances from your home computer or mobile device. Not only can this aid in keeping your accounts safe, but you can also take advantage of a wide range of other services to make your banking experience as convenient as possible! With our Online and Mobile Banking service, you can:
- Set up a PIN login for convenient access or use a Touch ID to login to your apple or android phone
- View your account balances
- View images of paid checks up to 60 days
- View account transactions up to two years -- select by date range, check number, amount of transactions, or payee name
- Use the Bill Payment feature to make and schedule payments
- Transfer funds between your PSB&T accounts
- Schedule recurring transfers to a savings account or loan
- Initiate a variety of e-mail alerts
- Download activity into your preferred financial management software
- Be notified by e-mail when your Online Statement is available, then print or save to your computer or an external storage device for your convenience
- Use the Debit Card On/Off switch to keep your account safe
- Deposit checks made payable to you into your Checking or Savings using your mobile device
When you register for Online and Mobile Banking, you will also gain access to our new Personal Financial Management service, Money Maximizer! With Money Maximizer you will have the opportunity to view, not only your accounts with Prairie State Bank & Trust, but also your accounts at other banks, credit unions, credit card companies or investment companies. All you need is online access to whichever accounts you would like to view. Once all your accounts are saved to a single location, Money Maximizer lets you:
- Categorize your transactions to help track how much is being spent on what
- Create a budget and remain mindful of how well you are sticking to it
- Track your spending trends over the course of 3, 6, 9 or 12 months
- Set goals for Savings, Retirement and Debt Payoffs
- Get an idea of your net worth based on all of your accounts and assets
You can register for our Online and Mobile Banking Service from either your mobile device or your computer. We encourage you to register now by visiting our website, or by downloading our app from the Play Store or App Store. After you have registered, you may start using the service right away. For help with understanding the variety of services offered, we have provided Commonly Asked Questions for you to review. These are located in the Service under Documents and on our website under Tools for You, Online and Mobile Banking Service, Common Questions. For additional assistance, you can also call 1-800-597-2977 to talk with one of our Customer Service Specialists.
Online and Mobile Banking Demo
Online and Mobile Banking-Move Money Demo
Surcharge Free ATM’s – in addition to our 16 convenient ATM’s, we are a member of two ATM networks that allow you to access cash without a fee. Whether you are in Central Illinois or traveling within the United States, the MoneyPass and AlphaLink Alliance networks total over 32,000 ATM’s where you can quickly access cash. To find the nearest ATM to you, or where you will be traveling, click on each link below.
For your convenience, you may also download the MoneyPass Locator app to your iPhone or Android device by going to www.moneypass.com
Our Debit Card provides a convenient way for you to have access to your funds to make purchases at retail stores and on the Internet, set up recurring and one-time payments with businesses and utility companies, and withdrawing cash for ATM’s. Some of the advantages of using your PSB&T Debit Card for everyday use are:
- Funds are withdrawn directly from your PSB&T checking account
- Provides an alternative payment method to cash when making purchases
- Allows you to make purchases from merchants who will not accept personal checks
- Can be used anywhere Mastercard® is accepted world wide
- When signing for your transaction you gain the added security of the MasterCard® network against fraud
Our debit card is not like other financial institutions. We have partnered with MasterCard® to provide you with a wide range of cardholder benefits when using the card to make purchases. For example, the benefits with our Debit MasterCard® include:
- Extended Warranty
- Price Guarantee
- Satisfaction Guarantee
- Identity Theft Resolution Services
For more detail on these benefits, click on the Guide to Benefits for your card type.
Mastercard Guide to Benefits Health Savings Account
Mastercard Guide to Benefits Enhanced Card
Mastercard Guide to Benefits World card
In addition to these valuable benefits, our debit card can be added to your Mobile Wallet. The service adds another simple and convenient way for you to make purchases in-store and online with security and privacy. For more information on our Mobile Wallet, click here.
Click here for information on Mastercard Security, then click Get Support and Safety and Security.
Prairie State Bank & Trust’s credit card products are competitive with the very best in the industry. Élan®consumer cards offer unique rewards that include cash back and rewards on merchandise and gift certificates. Both Visa and American Express cards are available and are an excellent way to earn more cash back or rewards than with your current card, or to help build credit for teenage children or young adults with no credit. Current cards available include:
- Visa® Bonus Rewards – earn 1 point for every net $1 you spend, plus get a 25% Bonus on all points earned every month
- Visa® Bonus Rewards Plus – same points as Visa Bonus Rewards but with a 50% bonus
- Cash Rewards American Express – earn cash back on all your purchases with higher % for gasoline and supermarket purchases
- Traveler Rewards American Express – if you are a frequent flier or traveler, this card rewards you with higher earnings on airline, hotel and restaurant purchases
- Visa® Platinum – a non-rewards card with a lower interest rate if you carry a balance
- Secured Visa® – excellent card for someone who needs to improve their credit history
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 and merchandise, 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!
Élan®consumer card programs may change from time to time and may be different than the programs included above.
Click here to learn more about VISA® Online Security
Click here to enroll in the Verified by VISA® service
At Prairie State Bank & Trust we give you the ability to control your own banking needs. Log onto the Deluxe® website at your convenience to complete any of the following services day or night.
- View an online catalog of many different options and styles of personal checks Deluxe® has to offer.
- Personalize your Deluxe® checks and see the latest custom offered products such as a photo checkbook cover, letting you upload a personal picture to be used
- Reorder your personal Deluxe® checks
- Check on the status of a check order
- If you do not have access to the internet, you can still order 24/7 by calling 1-800-838-5287.
Gift Cards are a perfect fit for any occasion and are accepted by most merchants.
Gift Cards can be used to make purchases online, by phone, or in person, and with amounts as low as $20, they're sure to fit everyone's budget.
- Purchasers or gift recipients can use the Gift Card as many times as they like through the expiration date, up to the amount available on the card.
- Each purchase is automatically deducted from the card's available balance. If the card is lost or stolen with a balance remaining, the user can cancel the card and order a Replacement Card.
- Gift Cards can be purchased in amounts from $20 to $750. A small purchase fee will apply.
- You may register your gift card in case it gets lost or is stolen.
- You can purchase a Gift Card at any PSB&T branch location.
Rather than automatically returning any insufficient fund items 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 $500.
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.)