Dream Checking...

  • $100 minimum opening deposit
  • No monthly service charge
  • Unlimited check writing
  • No per check charge
  • Earn our Dream rate and ATM fee refunds* when 3 simple requirements are met during each monthly qualification cycle**. 
    1. Have at least 12 debit card purchases post and settle
    2. Have at least 1 automatic payment (ACH) or direct deposit post and settle 
    3. Enroll to receive e-statements through Online Banking - Please contact us for details on how to enroll.

Note: ATM processed transactions do not count as qualifying debit card transactions for purposes of earning the higher rates and refunds of ATM fees.

  • Interest compounded daily and credited monthly
  • First order of logo checks free  
  • 24-Hour Telebanc Service 1-888-366-3267
  • Free Online Banking
  • Free CheckFree Web Bill Pay
  • Valid e-mail address required
  • Limit of one Dream Checking account per individual adult account holder


Click Here to be directed to the CD Rates page and then select "Checking Accounts" from the left menu panel to view current Dream Checking rates.


Interest rate and Annual Percentage Yield may change at any time; If you close your account before interest is credited, you will not receive the accrued interest. The split tiered structure may create a blended final yield.

Please note that transactions MUST post to and settle your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account.


**"Monthly Qualification Cycle" means the current statement cycle which is defined as from the 1st of the month through the last day of the month.


*If you have met your qualifications for the month, we will reimburse you up to $30 per monthly qualification cycle which will be credited to your account as follows: Domestic ATM surcharge fees (fees assessed at ATM's we do not own) will be reimbursed on the last day of your statement cycle. Internal ATM fees charged by Bank of the Pacific for use of ATM's we do not own will be reimbursed on the first business day of the month following your statement. International ATM surcharge fees will not be reimbursed.


Please visit a branch location nearest you for additional information and brochures that may affect your account.