Dream First Bank, National Association

Headquarters: Syracuse, Kansas
Charter: Bank
Assets: $963.7M
Fed district: Kansas City

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 20, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Platinum Interest Checking
Dream First Bank, National Association: $7.95
Dream First Bank, National Association: $7.95
U.S. median: no median
Overdraft (OD)
Dream First Bank, National Association: $25
Dream First Bank, National Association: $25
U.S. median: no median
NSF / Returned Item
Dream First Bank, National Association: $25
Dream First Bank, National Association: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kansas: Banks and credit unions headquartered in Kansas that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Dream First Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

All this for a modest monthly fee (audience not stated, treated as personal)$7.95
per month
Maintenance Fee (if balance requirement is not met)$7.95
Maintenance Fee (if balance requirement is not met) (audience not stated, treated as personal)$7.95
Account Closing Fee (Benefits Checking)[If closed within first 90 days]$25
Dormant Checking, per Statement Cycle (after 24 months of no activity)$5
per month
Dormant Savings, per Statement Cycle (after 24 months of no activity)$5
per month
Account Research per hour (minimum of 1 hour)$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Returned Mail Fee, per item$7.50
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft, per presentment$25
per item
Return Item/Insufficient Funds, per presentment$25
per item
Overdraft Protection Transfer, per transfer$3
per item

ATM & Card

ATM Foreign Transaction Fee$2.50
VISA Debit Card Replacement$10

Wire Transfers

Domestic Outgoing Wire$20
Incoming Wire$10
Foreign Outgoing Wire$70

Check Services

Cashier’s Check$10
Money Orders$2.50
Stop Payment$25
Foreign Check Clearing Fee$15

Account Services

Notary Fee$5
Drill Safety Deposit Box (both keys lost)$200
Not compared: Box drilling or key fee
Garnishment/Tax Levy Fee$30

Other Fees

Duplicate Statement Fee (unless e-statement)$4
Reproduction per item$0.50
per item
Reproduction per statement$4

Fee	Amount	Basis	Note
Account Maintenance
All this for a modest monthly fee (audience not stated, treated as personal)	$7.95	per month	None
Maintenance Fee (if balance requirement is not met)	$7.95	Not stated	None
Maintenance Fee (if balance requirement is not met) (audience not stated, treated as personal)	$7.95	Not stated	None
Account Closing Fee (Benefits Checking)[If closed within first 90 days]	$25	Not stated	None
Dormant Checking, per Statement Cycle (after 24 months of no activity)	$5	per month	None
Dormant Savings, per Statement Cycle (after 24 months of no activity)	$5	per month	None
Account Research per hour (minimum of 1 hour)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Returned Mail Fee, per item	$7.50Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft, per presentment	$25	per item	None
Return Item/Insufficient Funds, per presentment	$25	per item	None
Overdraft Protection Transfer, per transfer	$3	per item	None
ATM & Card
ATM Foreign Transaction Fee	$2.50	Not stated	None
VISA Debit Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Outgoing Wire	$20	Not stated	None
Incoming Wire	$10	Not stated	None
Foreign Outgoing Wire	$70	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Money Orders	$2.50	Not stated	None
Stop Payment	$25	Not stated	None
Foreign Check Clearing Fee	$15	Not stated	None
Account Services
Notary Fee	$5	Not stated	None
Drill Safety Deposit Box (both keys lost)	$200Not compared: Box drilling or key fee	Not stated	None
Garnishment/Tax Levy Fee	$30	Not stated	None
Other Fees
Duplicate Statement Fee (unless e-statement)	$4	Not stated	None
Reproduction per item	$0.50	per item	None
Reproduction per statement	$4	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 20, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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