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, our top-rated Mobile App, and a tap to pay debit card. Which, you guessed it, are also free. Plus, a checking account with us may help you increase your share of Profit Payout.* Check out all of our checking options below to find the free checking account that’s right for you.
Meet Our Checking Accounts
Chiefs Checking
As the Exclusive Banking Partner of the Kansas City Chiefs, we want you to bank like a champion.
Contactless technology debit cards for fast and secure transactions.
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.
CommunityAmerica is awesome. They check on high-dollar checks I wrote when someone goes to cash one. They do everything I would hope for in customer service.
Mr. Ward is a great banker, and a very good customer service rep. We spent a good amount of time this week helping find a resolution to a very tough money issue I was having. A MUST bank.
Absolutely love my relationship with CommunityAmerica Credit Union! The best financial institution I have ever belonged to. Since I first opened my accounts, I have not regretted it. The service is great; the personnel are great; the perks and benefits are great. Keep up the fantastic work.
As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like competitive rates, low fees, and our annual Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $100 million to members over the past 13 years.
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.
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
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 2/28/2025 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.
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. 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 2/28/2025.
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