We've Got Some Big News

We’re excited to announce NEW Personal and Business Checking Account options!


Dream First Bank

Cash Back Checking

Who says checking accounts can't be rewarding? 

With Cash Back Checking, every debit card purchase earns you an incredible 3% cash back. But that's not all—you'll also get nationwide ATM fee refunds up to $25, and the option to link to our Saver account to build your savings automatically. Plus, say goodbye to minimum balance requirements and monthly service fees. Get started with a FREE intro pack of checks 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 intro pack of checks

Terms & Conditions

Competitive information was obtained directly from vendors or their websites during the week of December 5, 2022. Some vendors may have introductory offers or additional ways to waive the monthly service fee.

Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.

*Receive 3% cash back on up to $200 in debit card purchases that post to and settle your account during each Monthly Qualification Cycle (MQC). Or total cash back of up to $6 per MQC. Transactions may take one or more banking days from the date the transaction was made to post to and settle your account. Cash back rewards will be credited to your account on the last day of the statement cycle.

^To earn higher rate you must be signed up for eStatements, online banking, and have at least 15 debit card purchases post and clear each monthly qualification cycle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.  

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