Learn About Phishing and Smishing

Health Savings Account

A Health Savings Account (HSA) is a personal savings account, but it can only be used for qualified medical expenses. To be eligible, you must be enrolled in a High Deductible Health Plan (HDHP). Health Savings Accounts also have some important tax advantages.

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Overdraft Protection and Overdraft Privilege

Life happens! Prospect Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

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Since our founding, Prospect Bank has worked to help the communities and people of central Illinois to bank smarter. We’re committed to service, and our mission, our vision, and the pledge we make to each and every individual, family, and business we work with shows it.

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Learn more about our Simply Reward® Visa® Credit Card provided by our third party partner UMB bank.

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Head on over and subscribe to our YouTube channel.

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Prospect Bank’s municipal banking program provides customized banking solutions for municipalities, school districts, and public agencies throughout Central Illinois and beyond.

Check out our MuniWise Investment Model to calculate your CD Investment

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Online Account Opening

Take advantage to opening an account online.

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Online Applications

Click below to start your
Mortgages or Consumer Loan Application!

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We want your banking experience with us to be as easy as possible! Head to our Q&A page to find answers to some frequently asked questions about banking with us!

We're here for you!

Contact us with questions, concerns, feedback or just to say hi!
We’re here to listen and help!


Our online calculators are easy to use and will help you answer some common questions when you’re thinking of buying a home.


We’re the bank you want to get to know. With us you’ll get;
A personalized banking experience that is built to tailor your lifestyle.
Access to easy, and state-of-the-art electronic banking services.
Local and committed PROS who are behind you and your goals.

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Count on Our Financial Services for All Your Needs

When you’re looking for financial services, it’s essential to consider the services offered, their reputation, and the customer service provided. At Prospect Bank, we offer personal & business banking services close to Ashmore, Brocton, Champaign, Gilman, Homer, Kansas, Paris, Sidell, and Watseka, IL, as well as Terre Haute, IN, giving you confidence in your finances. Whether you need business loans, home loans, farm investment services, or a simple bank account, we’re ready to recommend the best course of action for your financial future.

Personal Banking Services

You can turn to us for personal banking services close to where you live and work. With ten locations to choose from, you’ll have no trouble getting the financial services you need when it’s most convenient for you. We can even help you buy the home of your dreams with mortgage loans available with the lowest mortgage rates possible. Talk to our team about the services we offer and which ones are right for you.

Business Banking Services

We also help with business banking services, including business loans. If you’re interested in investing, you may find that our farm investment services are the right choice for you. Our team is dedicated to helping you give your business a solid financial foundation with a large selection of banking services to suit your needs.

If you’re looking for financial services close to Ashmore, Brocton, Champaign, Gilman, Homer, Kansas, Paris, Sidell or Watseka, IL, or Terre Haute, IN, reach out to our team today. With personal & business banking services available, you’ll find just what you need.