Checking Accounts

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Score $200*

Open a Chiefs Checking Account and get $200 plus the card of champions, an exclusive Chiefs Visa® Debit Card! 
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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, 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 Debit

Chiefs Checking

As the Exclusive Banking Partner of the Kansas City Chiefs, we want you to bank like a champion.
Open Account
Show your team spirit with a checking account worth
cheering for!


  • Exclusive Visa® Chiefs debit card

  • Earn 1% cash back on the first $500 of monthly purchases — that’s up to $60 per year1
  • 15% off at Arrowhead Stadium’s Chiefs Pro Shop

  • 15% off purchases on

  • No monthly service fee
  • No minimum balance
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Cashback Free Checking Card

Cashback Free Checking

It’s one-of-a-kind: 
checking account that pays you back when you use it.
Open Account
This checking account has your back. 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
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Free Checking


That’s what you can expect from your Free Checking account.
Open 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:


  • Free Visa® debit card
  • No monthly service fee
  • No minimum balance
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Free Checking

Student Checking

Start your financial future on the right foot with an account created specifically for students.2 
Open Account
Manage your money easily with a free checking account that’s high on convenience, low on fees.


Building good money habits starts here. Check out some of the advantages of opening a student checking account:


  • Free Visa® debit card
  • No minimum balance
  • No monthly service fee
  • No overdraft fees
  • Free first set of checks
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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 Contactless Debit Card 

Access to a our "tap to pay" debit card.
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Share in Our Profits

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

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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Tap to Pay

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.
Get Started

Hear From Our Members

Profit Payout Share

Profit Payout*

Investing in YOU by sharing our profits.

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 Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.

Estimate Your Payout

Checking Account FAQs

Member Favorites

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Download Our Mobile App

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 5.00% APY3 on balances up to $2,500.
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Visa® Signature Credit Card

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