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American Central Bancorporation is the parent company of Prairie State Bank & Trust, Springfield, Ill. The bank offers a convenient 24-hour banking location for its customers. Its online service is a free service with the following features, view account balances for checking, savings, certificates of deposit, individual retirement accounts and loans, access transaction history, view cleared checks, direct deposits, payments made and additional account activity, transfer funds between accounts and make loan payments. The bank has joined an ATM alliance. Working with community banks across the Midwest to give its customers more choices and a better banking experience. The bank has over 135 ATM locations in Illinois, Indiana, Missouri and Kentucky.