Checking Accounts

1 $300 Checking Offer. To receive the $300 credit for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, between 8/25/2025 – 1/31/2026 (members with an existing CommunityAmerica checking account or with any CommunityAmerica checking accounts that have closed within the past six months do not qualify), (2) enter promo code CHECK300 (3) enroll in electronic statements (eStatements), (4) within 90 days of account opening, complete two or more direct deposits that total at least $2,500. The direct deposits need to be electronic deposits of your paycheck, pension or government benefits from your employer or the government. Person to person payments (such as Zelle) or Micro-deposits (typically less than $1) do not qualify as direct deposits. Within 30 days of meeting qualification requirements, your $300 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 $300 bonus per account. 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.

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 Free Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account. 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 6/16/2025 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. Limit one Chiefs Checking or Cashback Free Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, or Loan Advantage checking accounts. Qualifications for cash back: The membership account number tied to the Chiefs Checking or the Cashback Free Checking account must complete the following: Enrolled in eStatements; one direct deposit of $250 or more per month, not aggregated; 15 posted point-of-sale debit card transactions per month to a single checking account; OR enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking account. Transactions exclude refunds, credits, fees, pre-authorizations, and ATM transactions.

2 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.

3 High Interest Savings. APY=Annual Percentage Yield and assumes interest is reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. You must maintain the minimum daily balance required to obtain the applicable APY. Fees could reduce earnings on the account. First Tier: 5.00% APY from $1.00 - $2,500, if First Tier qualifications are met. Second Tier: 0.03% APY on $2,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. First tier APY is conditional on meeting the following requirements on the day before the last day of the month to receive benefits for that same month: enrollment in eStatements; monthly direct deposit of at least $250 posted to one deposit account; 15 posted point-of-sale debit card transactions per month to a single checking account tied to the membership; OR enrollment in eStatements and 25 posted point-of-sale debit card transactions per month to a single checking account tied to the membership. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Each statement period that conditions are met after the account is opened, First Tier APY will be applied at the end of the statement period. If qualifications are not met, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. If Checking account relationship is terminated or becomes inactive, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Limit one High Interest Savings or Delta Savings account per member. Rates effective as of 6/16/2025.

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