Business Services

Business Services Team

If you are interested in improving your office efficiency of managing your deposit accounts, collecting and processing receivables, or paying your employees and vendors electronically we encourage you to contact us. 

We will ask questions to understand your business and explain the services available and their benefits to assist you to meet your needs.

Amanda Klein

Amanda Klein

Senior Vice President & Treasury Manager Central Illinois NMLS# View Bio for Amanda Klein
Chad Hoffman

Chad Hoffman

Treasury Sales Officer Bloomington, Decatur & Surrounding Areas NMLS# View Bio for Chad Hoffman
Lori Hunt

Lori Hunt

Senior Vice President & Treasury Sales Officer Savoy, Charleston, Mattoon, and Surrounding Areas NMLS# View Bio for Lori Hunt

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

Training & User Guides for Cash Management - Premier 

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 use RDC Calculator.

Merchant Cards

In merchant services, as in most of banking, there is no one product that suits every business. At PSB&T we can offer each merchant the technology most suited to your business – whether you process a handful of transactions or millions.

GROW YOUR REVENUE by Expanding Your Payment Possibilities

From card readers to point-of-sale, contactless, and wireless terminals, we offer an array of products and services to ensure you can handle any payment method your customers throw at you. 

Credit Card Terminals

PSB&T offers a variety of equipment solutions from leading manufacturers to provide the latest products and services in payment acceptance. We offer support to many different types of clients, including those customers seeking wireless or PC-based solutions.

Mobile Products

Imagine giving your customers the flexibility of making purchases anywhere within your store. Take the terminal to them with a secure and versatile smartphone application that turns an asset you already own- your smartphone or tablet – into a handheld device with all the payment processing power you need. Combine your mobile with our encrypted card reader, and your phone or tablet can quickly and securely swipe and process card payments at a fraction of the cost of a wireless terminal. Simply download the app to your phone or tablet, activate your account and you’re ready to manage payments in the palm of your hand.

Internet Processing

Would you like for your business to accept payments through your website? PSB&T offers a suite of powerful tools that can help improve sales, enhance customer satisfaction, reduce fraud risk and let you spend more time running your business. Manage your payments, mine for customer data, customize email receipts, set up recurring payment schedules, and configure fraud tools to help deter unauthorized transactions. Sensitive customer information is protected using only the highest levels of encryption and security protocols. Our leading Internet Protocol (IP) based payment gateways provide solutions that you can trust.

Gift Cards

This year, more than 90% of Americans receive or purchase a gift card. Of those, 55% will visit a business more than once to spend their gift card.

Gifts cards give any sized business the ability to promote their business and increase their sales. You can select from a number of simple card designs or design your own with custom branding. The cards are loaded and redeemed by a simple swipe through your terminal.

We Can Help You

Whether or not you are already accepting credit and debit cards, would like to reduce your current expense associated with accepting debit and credit cards, or would like to do business with an established locally owned bank, we encourage you to call us at 1-800-597-2977 and ask for a Business Services Relationship Manger to request A Free No Obligation comparison of your current processor.

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.

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.

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.