Cashback Free Checking

Earn Up to $60 per year¹

with 1% cash back on the first $500 of monthly purchases.

A Checking Account That's Got Your Back

It’s one-of-a-kind in Kansas City: a checking account that pays you back as 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, including:

1% cash back on the first $500 of monthly purchases - that’s up to $60 per year¹
Free VISA® debit card with contactless technology
No monthly service fee
No minimum balance

Cashback Free Checking Benefits

Convenient 24/7 Access

Bank anytime, anywhere thanks to our top-rated Mobile App.

Say Goodbye to Fees

No monthly service fee and no minimum balance requirement.

Free Instant-Print Debit Card

Get access to a free tap to pay-enabled debit card.

Share in Our Profits

Your checking account balance may help boost your Profit Payout potential.^*

Get Paid Faster

Early Pay is available for all eligible direct deposits.

Manage Your Money On The Go

Icon of a hand holding a contactless payment card near an oval-shaped reader, with curved lines indicating a wireless signal, on a light blue circular background

Tap to Pay

Contactless technology debit cards for fast and secure transactions.

Pay Friends

Easily and securely send money to friends and family with Zelle®.

Digital Wallet

Make quick, secure payments right from your phone or smartwatch.

Mobile Deposit

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

Profit Payout*

We're Invested In YOU

"We used our Profit Payout to pay down our mortgage at CommunityAmerica so we could remove our mortgage insurance."

The Howard Family, members since 2018

Find Out How To Get Your Share

How can I check how much I have in my bank account?

You can check your account balance in any of these ways:

Use the Mobile App
Via Text Banking – You can set this up within Online Banking
Log into Online Banking
Call 800.892.7957
Visit your most convenient location

How do I open a Cashback Free Checking account?

You can open a checking account online, in-person at any of our convenient locations, or by giving us a call at 800.892.7957. These are the things you’ll want to have handy:

Drivers License, government ID or passport
Social Security Number
Recent residential address
Email address
Date of Birth

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.

What is Cashback Free Checking?

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 year¹
Free Visa® debit card
No monthly service fee
No minimum balance

How old do you have to be to open a Cashback Free Checking account?

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.

How much does it cost to open a Cashback Free Checking account?

There is no cost to open, no maintenance fees, and no minimum balance required for any of our checking accounts.

How does Tap to Pay work?

Each CommunityAmerica debit card has contactless technology built-in to help speed up and secure your transactions. Every chip and contactless transaction contain a one-time code that gets transmitted each time you make a purchase, helping to protect against fraud.

The contactless symbol is four curved lines that get bigger from left to right that looks like a Wi-Fi symbol.

How to Use Your Contactless Card

Look for the contactless symbol on the payment terminal
Tap your card on the front of the point-of-sale terminal
Remove your card when prompted – you may need to enter your pin
Your payment is securely processed in seconds

Learn More

How do I find my direct deposit information?

It’s quick and easy to get your direct deposit information in Online Banking or our Mobile App.

Direct deposit information in Online Banking:

Log into Online Banking.
Navigate to “Account Requests” in the top menu bar.
Click on “Direct Deposit.”
Follow the instructions and find your direct deposit information.

Direct deposit information in Mobile App:

Log in to our Mobile App.
Select the account you’d like to set up with direct deposit.
Click on “Details.”
Use the ACH number (including all zeroes) and our Routing Number (301081508) to set up your direct deposit.

If you have any questions, give us a call at 800.892.7957 or stop by a branch.

Cashback Free Checking/Chiefs 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 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 09/22/2026 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. 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.
$400 Checking Cashback Offer. Offer limited to individuals who have not owned a CommunityAmerica personal checking account within the past 12 months. To receive cashback bonus credits for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) reside in the Kansas City, MO-KS Designated Market Area (DMA); (2) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, between 8/31/2026 – 12/31/2026; (3) enter promo code KC400 in account application; (4) and meet ‘Qualifications for Cash Back.’ Eligibility period to earn bonus credits is 12 months, beginning on the 1^st of the month after account opening. Each monthly bonus credit, equivalent to 6% cashback on point-of-sale debit card transactions up to $30 maximum per month, will be deposited into the new checking account up to 30 days after the end of the month where qualifications were met. Bonus credits may post on a different day than standard monthly cashback credit. Limit 12 monthly bonus credits. Limit $400 total standard and bonus cashback earned during eligibility period. Final month’s bonus payout may be adjusted to as low as $10 if the $400 combined cashback limit is reached. 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 qualifying account per member. Offer subject to change without notice and cannot be combined with any other offer. Credit(s) may be reported as income on IRS Form 1099-MISC.
$600 Checking Cashback Offer. Offer is limited to individuals who have not owned a CommunityAmerica personal checking account within the past 12 months. To receive cashback bonus credits for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) reside in one of the following Designated Market Areas (DMA): St. Louis, MO-IL, Fort Smith-Fayetteville-Springdale-Rogers, AR, Los Angeles, CA, San Francisco-Oakland, CA, Las Vegas, NV, Dallas-Ft. Worth, TX, Chattanooga, TN, OR apply as an employee, partner, friend or family of a Select Employer Groups (SEG); (2) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, between 8/31/2026 – 12/31/2026; (3) enter promo code CASH600 in account application; (4) and meet ‘Qualifications for Cash Back.’ Eligibility period to earn bonus credits is 12 months, beginning on the 1^st of the month after account opening. Each monthly bonus credit, equivalent to 9% cashback on point-of-sale debit card transactions up to $45 maximum per month, will be deposited into the new checking account up to 30 days after the end of the month where qualifications were met. Bonus credits may post on a different day than standard monthly cashback credit. Limit 12 monthly bonus credits. Limit $600 total standard and bonus cashback earned during eligibility period. 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 qualifying account per member. Offer subject to change without notice and cannot be combined with any other offer. Credit(s) may be reported as income on IRS Form 1099-MISC.

Cashback Free Checking