An OFDMA based channel access scheme is proposed for dynamic spectrum access to utilize frequency spectrum efficiently. Though the OFDMA based scheme is flexible enough to change the bandwidth and channel of the transmitted signals, the OFDMA signal has large PAPR (Peak to Average Power Ratio). In addition, if the OFDMA receiver does not use a filter to extract sub-carriers before FFT (Fast Fourier Transform) processing, the designated sub-carriers suffer large interference from the adjacent channel signals in the FFT processing on the receiving side. To solve the problems such as PAPR and adjacent channel interference encountered in the OFDMA based scheme, this paper proposes a novel dynamic channel access scheme using overlap FFT filter-bank based on single carrier modulation. It also shows performance evaluation results of the proposed scheme by computer simulation.