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We'd like to welcome Heartland Tri-State Bank to the Dream First family.

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Dream First Bank

Dream Checking

What if you had a free checking account that earned a better interest rate than most money market rates? This amazing free checking account offers 1.01% APY* with no monthly service charges or minimum balance requirements to earn rewards. You even get free ATM refunds* nationwide and other benefits when opening a Dream Checking Account!


  • 1.01% APY* on balances up to $35,000 when qualifications are met
  • 0.21% APY* on balances over $35,000 when qualifications are met, depending on balance in the account
  • If monthly qualifications aren't met, you earn 0.05% APY*
  • No monthly service fee
  • No minimum balance requirements to earn rewards
  • ATM fee refunds up to $25 per monthly qualification cycle*
  • Free Visa Debit card
  • Free Online Banking and Bill Pay
  • Free Direct Deposit
  • FDIC insured
  • $100 to open


To earn your rewards with your Dream Checking account, you must complete, or be enrolled in, the following activities each monthly qualification cycle:

  • Complete at least 10 debit card purchases
  • Complete at least one automatic payment (ACH) or direct deposit
  • Sign-up and receive E-Statement notices (available via Online Banking)

*APY=Annual Percentage Yield. APYs accurate as of 12/01/2023. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $35,000 receive APY of 1.01%; and (3) balances over $35,000 earn 0.21% interest rate on portion of balance over $35,000, resulting in 1.01%-0.42% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. 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 an 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. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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