Dream FirstBank maintains a comprehensive schedule of consumer banking fees and service charges. Specialized checking products can incur monthly statement cycle fees around $7.95, while paper statements carry a $3 monthly fee unless customers opt into paperless e-statements. Accounts closed within the first 90 days of opening are subject to a $25 early termination fee. Additional standard fees include a $25 charge for overdrafts or insufficient funds, $25 for stop payment requests, $10 for cashier checks, $20 for domestic outgoing wire transfers, and $5 per month for dormant accounts after extended inactivity.