We've Got Some Big News

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


Dream First Bank


Linked to Cash Back Checking, our Saver account is a free account that puts your savings on cruise control. Here's how these two FREE accounts work together for you: Each month, the 3% cash back you get from debit card purchases is automatically deposited into a Saver account. Plus, your Saver account balance also earns interest, so you can sit back, relax, and watch your money grow!


  • Linked to free Cash Back Checking
  • Automatic transfers of Cash Back Checking rewards
  • 1.01% APY* on balances up to $10,000
  • 0.25% APY* interest rate on a portion of balance over $10,000
  • Resulting in 1.01% – 0.32% APY, depending on account balance
  • 0.05% APY* if qualifications are not met on Cash Back Checking
  • No minimum balance to maintain account
  • No monthly service fee
  • Free online banking
  • Monthly direct deposit required to maintain account
  • No minimum deposit to open
  • Direct Deposit
  • FDIC insured


You automatically qualify for the highest rate when you qualify for Cash Back Checking Rewards. Simply do the following each monthly qualification cycle:

  • Have at least 15 debit card purchases post and clear
  • Be enrolled and receive EStatement notice
  • Be enrolled and log into Online Banking

That's it. But if you don't qualify, don't worry. There's no penalty. Both accounts are still free, and you can get back to earning the full rewards the next month you qualify.

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Dream First Bank

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