Checking Accounts

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Earn $200 + An Exclusive T-Shirt

Get an unbelievable bonus and a limited edition t-shirt when you open a Chiefs Checking account1.
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Say Hello to a Free Checking Account

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.

What are you looking for in a checking account?

Exclusive Chiefs Debit Card

Chiefs Checking

Show your team spirit.

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
  • 15% off at Arrowhead Stadium’s Chiefs Pro Shop
  • 15% off purchases on
  • No monthly service fee
  • No minimum balance
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Benefits of Our Checking Accounts

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Say Goodbye to Fees

No monthly service fee and no minimum balance requirement.
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Free ATM Transactions

No surcharges at nearly 30,000 ATMs in our CO-OP Network.
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Free Debit Card Instantly

Get your free chip-enabled card at any of our branch locations.
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Share in Our Profits

Your checking account balance may help you qualify for our Profit Payout2.

Which Checking Account is Right For You?

Let’s Talk Tech

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Mobile Check Deposit

Deposit checks quickly by snapping a photo with our highly rated Mobile App.
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Online & Mobile Banking

Enjoy secure convenience and 24/7 access to manage your money.
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Digital Wallet

Make quick, secure payments right from your phone or smartwatch. No swiping necessary.
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Card Control

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.
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Hear From Our Members

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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.
Estimate Your Payout

Checking Account FAQs

Member Favorites

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Download Our Mobile App

We put the banking tools you need right in the palm of your hand.
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High Interest Savings

Grow your money faster at a rate of up to 4.00% APY5 on balances up to $1,500.

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Visa® Signature Credit Card

Check out all the perks, including a great low introductory rate.
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