Other Business Banking Services

Night Deposit Processing

Having trouble getting to the bank before close? Simply place your deposit into our Night Depository for processing the next morning. As soon as the deposit has been processed, you will be able to view it through our Online Banking service, or 24 hour Telephone Banking service.

Business Debit Card

With the PSB&T Debit Mastercard BusinessCard®, there is no need for you or your employees to carry cash, your business checkbook, or single checks with you, and it comes with many value-added benefits not available with many business debit cards. Whether your employees are purchasing office supplies, large item purchases for your business, or using the card when traveling, all purchases made with your Debit Mastercard BusinessCard will post to our business checking account. In addition to the simple recordkeeping and detail included on your checking account statement, the benefits that come with the Debit Mastercard BusinessCard are hard to ignore. Some of the benefits include MasterRental Insurance Coverage, Purchase Assurance Coverage, Extended Warranty Coverage, Easy Savings Program, Travel Services, ID Theft Protection and for those who travel outside the United States, VAT Reclaim Service. For more detail on each of these benefits click on the Guide to Benefits below.

Interested in this value-added debit card? Call us at (800) 597-2977 or stop by one of our branches. 

Visa Business Credit Card

Élan® Visa®business credit cards offer several card choices to meet your needs to help manage your travel expenses, or purchases for normal office expenses, equipment and furniture. Most programs earn points or have cash back options for every dollar spent.

  • Visa® Business Bonus Rewards – earn 1 point for every net $1 you spend, plus get a 25% Bonus on all points earned every month
  • Visa® Business Bonus Rewards Plus – same points as Visa Bonus Rewards but with a 50% bonus
  • Visa® Business Cash – earn the highest cash back on office supplies, phone and internet services, as well as cash back on all other purchases
  • Visa® Business- offers valuable business Visa® benefits in a flexible, low rate card

Click here for an application


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®business 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

Payroll Cards

Would you like to have all your employees on direct deposit, or automate your expense reimbursement process? Our Xpress Paycard service will help you reduce your overall expense of payroll processing or expense reimbursement. It may also help your employees who receive a paycheck to manage their money better. This is a no cost service to your company with full support during and after the initial set up. For employees without a checking account, Xpress Paycard allows them to not have to turn their paycheck into cash but to use the card to make purchases at retail stores who accept MasterCard, withdraw at ATM’s or retail stores, pay bills with the Bill Pay feature, have online access to view their balance and transactions, set up email/text alerts, and deposit pay from a second job or from their spouses job.

If you would like to learn more about this service, contact your branch and ask for the Business Services Relationship Manager to discuss the benefits of our Payroll Card service.

Overdraft Privilege

Rather than automatically returning any insufficient fund items presented 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 $1,000.

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.)