That’s right, free. Free to open, free ATM transactions at nearly 30,000 ATMs in our nationwide CO-OP network and a free debit card, which you can get instantly at any of our convenient branch locations. Free also means no service fees and no monthly balance requirements. With a CommunityAmerica free checking account, you’ll also have access to a robust Online Banking platform and our top-rated Mobile App. Which, you guessed it, are also free. Plus, a checking account with us may help you increase your share of Profit Payout.2 Check out all of our checking options below to find the free checking account that’s right for you.
As the Exclusive Banking Partner of the Kansas City Chiefs, we want to give all of Kansas City the opportunity to bank like a champion. So, we created a checking account worth cheering for: Chiefs Checking. It’s a free checking account with these fan-favorite perks:
Exclusive Visa® Chiefs debit card
Earn 1% cash back on the first $500 of monthly purchases — that’s up to $60 per year3
It’s one-of-a-kind in Kansas City: a checking account that pays you back when you use it. So, go ahead and treat yourself, you’ve earned it. Plus, you’ll be able to take advantage of other great perks, such as:
Earn 1% cash back on the first $500 of monthly purchases — that’s up to $60 per year3
Reliability. That’s what you can expect from your CommunityAmerica Free Checking account. Always there. Always ready. Most importantly, always on your side. This no-hassle, no-cost checking account offers ultimate flexibility and a variety of benefits, including:
Start your financial future off on the right foot with a checking account created specifically for high school and college students4. We make it easy to manage your money, with a free checking account that’s high on convenience, low on fees. Check out some of the advantages of opening a student checking account:
Know when, where and how your debit card is used with real-time alerts from CardValet®.
Open a Checking Account
Opening a free checking account is a great way to start your CommunityAmerica membership. It’s quick and easy to fill out your application online. Or, if you have questions, visit one of our branch locations, where one of our friendly team members would be happy to help.
I get $5 each month just to have a
checking and savings account with them. Their employees at this location
seem especially customer service orientated, and my friends bank with
them as well!
Alena W.
2018 on Facebook
The Transition Was Awesome!
When I opened up my Chiefs Checking account, you made it so easy and convenient. I had the best customer service support and experience. And I love how easy the banking app is!! We had been with the same bank for over 35 yrs so the transition was awesome!!
Mark S.
2018 on Facebook
No Other Place I’d Choose to Bank
I picked CommunityAmerica for my banking when I moved here because I banked with a credit union in my home town. There is no other place I would choose to bank in KC than CommunityAmerica. I love the cashback checking, high interest savings, and profit payout.
Profit Payout
We share our profit with our members.
As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like better rates, lower fees and our Profit Payout2. This year we gave back a record-breaking $9 million to more members than ever. See how opening a free checking account with us could help you qualify for or grow your share.
At CommunityAmerica, we have no minimum balance required to open any of our checking accounts.
If you aren’t already a CommunityAmerica member, you’ll need to also open a savings account, with $1 in it, but this can be done at the same time you open your checking account using the same information.
It’s a free checking account that earns you cash back on your purchases, exclusive to CommunityAmerica Credit Union. Perks include:
We offer checking accounts to all ages. However, those under 18 must have a parent or legal guardian as a joint owner on the account.
There is no cost to open, no maintenance fees, and no minimum balance required for any of our checking accounts.
Take complete control of your CommunityAmerica cards, thanks to CardValet. Know exactly when, where and how your cards are being used with real-time alerts. Whether you’re trying to thwart fraudsters or just keep a closer eye on your money, CardValet is here to make life easier.
Chiefs Checking Promotion: To receive our limited edition t-shirt, you must meet CommunityAmerica Credit Union membership eligibility requirements and open a new Chiefs Checking account, which is subject to credit approval, between 4/25/2022-6/30/2022. The t-shirt will be available while supplies last and will be mailed to you within 30 days of account opening at the address you provide on your application. Limit one t-shirt per account and member. The t-shirt, valued at $36, may be reported as income on IRS Form 1099-MISC.
To receive the $200 credit, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) open a new Chiefs Checking account, which is subject to credit approval, between 04/25/2022-06/30/2022 (members with existing Chiefs Checking or Cashback Free Checking accounts, or with Chiefs Checking or Cash Back Free Checking accounts that have closed within the past six months do not qualify), and within 60 days of account opening, (2) set up a recurring monthly direct deposit of at least $250, not aggregated. The direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person payments (such as Zelle) are not considered a direct deposit. Within 30 days of meeting qualification requirements, a $200 credit will be posted into the primary account owner’s membership savings account. The account must be open and in good standing at the time of payout to qualify for the credit. Examples of ineligible accounts may include delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings. Limit one $200 credit per account and per member. Offer subject to change without notice and cannot be combined with any other offer. The credit may be reported as income on IRS Form 1099-MISC.
Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. Amounts advertised are representative of actual dividends paid in 2022. Dividend is not guaranteed and may vary based on criteria established by CommunityAmerica Credit Union and the total amount allocated by the Board of Directors each year. Not everyone receives a dividend and member must be in good standing and meet other criteria on processing date to qualify. Dividends are reported to IRS and a 1099 form will be issued at year-end. Any applicable taxes are the responsibility of recipient.
Chiefs/Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Chiefs Checking account or a Cashback Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account on the day before the last day of the month to receive benefits for that same month. Cash back will be deposited into the Chiefs Checking or Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 02/01/2022 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. This account requires eStatements to avoid conversion to different checking product not eligible for cash back. Limit one Chiefs Checking or Cashback Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, Loan Advantage or Cashback Free Checking. Qualifications for cash back: The membership account number tied to the Chiefs Checking or the Cashback Checking account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.
Student Checking. Must be age 13-24 to qualify. Must be age 18 to open account online. Automatically converts to a Free Checking account at age 25.
High Interest Savings. First Tier: 3.92% – 4.00% APY from $1.00 – $1,500, if First Tier qualifications are met. Second Tier: 0.025% APY on $1,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. The Annual Percentage Yield (APY) shown is effective as of 02/01/2022, unless otherwise noted. Rates are variable and may change without notice after the account is opened. Fees could reduce earnings on this account. Balances up to $1,500 will earn first tier APY when ‘Qualifications for cash back’. Each statement period that Qualifications are met after the account opened, the first tier APY will be applied to the next statement period. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. Please see rate page for range. If Qualifications not met, the first tier APY will discontinue and will revert to the credit union’s base rate for Savings accounts until ‘Qualifications for cash back’ are reestablished. Balances of $1,500.01 or more will earn the credit union’s current applicable base rate for Savings accounts. Limit one High Interest Savings account per member. Business, IRA, and Minor accounts not eligible for this product. Qualifications for cash back: The membership account number tied to the High Interest Savings account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.
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