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First National Bank is excited to now be Dream First Bank!

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Dream First Bank

Cash Back Checking

This free account rewards you for using your debit card, it's that simple! Earn 3% cash back* on everyday purchases, with no confusing point systems or category restrictions. It's a new kind of purchasing power that puts money back in your pocket, where it belongs. Sign up today!

Open Your Cash Back Checking Online!


  • 3% cash back on debit card purchases*
  • Nationwide ATM fee refunds (up to $25)*
  • Link to our Saver account to build your savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking and bill pay
  • Free E-Statements
  • Unlimited check writing
  • $100 minimum balance to open


Qualifying for the rewards is easy. Simply do the following each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive E-Statement notices
  • Be enrolled and log into online banking

But if you don't qualify, don't worry. There's no penalty. Your account is still free, and you can get back to earning cash back and ATM fee refunds the next month you qualify.

*Minimum to open is $100.00. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5 per single transaction) if qualifications are met within monthly qualification cycle. Monthly direct deposit required to have this account. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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Stop by for a visit!

We have several locations throughout southwest Kansas to serve your banking needs.