4x Cash Back Checking Offer
Banking Built for Tritons
Now through October 31, 2025, UMSL students who open a new Cashback Free Checking account with CommunityAmerica will receive:
- 4x Cash Back for the first year1
- 30% discount at the UMSL Triton Store1
- Convenient on-campus access — new branch opening August 21, located right across from the Triton Store in the Millennium Student Center
It’s easy — just stop by our branch. You might already be heading that way to grab your Triton gear, now you can open your account and score the 30% discount while you’re at it! Open Now with Promo Code UMSL4X.
Why We Partnered
At CommunityAmerica, we believe in building stronger communities by empowering individuals to thrive—especially the next generation of leaders. As the Exclusive Campus Banking Partner of the University of Missouri–St. Louis, we’re committed to delivering meaningful financial tools, guidance, and offers designed for student success.
Banking 101 Guide
New to managing your own finances? Check out our Banking 101 Guide for Students — covering everything from how checking accounts work to building your credit early and budgeting tips for college life.
Quick & Easy Account Opening
To open your Cashback Free Checking account, you’ll need to:
- Be a legal U.S. resident
- Qualify for membership at CommunityAmerica Credit Union
- Have your Social Security Number (SSN) or Individual Taxpayer ID (ITIN)
- Provide a valid government-issued ID (like a driver’s license or passport; if using an international passport, please also bring your I-20 Form)
It only takes a few minutes — and no minimum balance is required.
Visit Us on Campus
Located in the Millennium Student Center—right across from the Triton Store.
1 4X Cash Back + 30% Discount at the UMSL Triton Store. To receive the 4X Cashback bonus credit, (1) you must meet CommunityAmerica Credit Union membership eligibility requirements. (2) Open a new Cashback Free or Chiefs Checking account, which is subject to credit approval, between 8/1/2025 – 10/31/2025 (members with an open CommunityAmerica checking account, or a CommunityAmerica checking account that has closed within the past six months do not qualify), (3) enter the UMSL4X promo code in your new checking application and (4) meet “Qualifications for Cash Back.” Each monthly bonus credit, up to $15 maximum, will be deposited into the Cashback Free or Chiefs Checking account during the month following the month that qualifications are met. Your bonus credit may post on a different day than the standard monthly Cashback credit. Limit 12 monthly bonus credits, up to $180 maximum. The eligibility period to earn bonus credits is the 13 months following account opening. Following the promotion period for ‘4X Cashback bonus’, the Cashback Free and Chiefs Checking products will return to earning the standard 1% cash back. 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 qualifying account per member. Offer subject to change without notice and cannot be combined with any other offer. The credit(s) may be reported as income on IRS Form 1099-MISC.
To receive the 30% discount at the UMSL Triton Store, (1) you must be an existing or new CommunityAmerica member with an open CommunityAmerica debit card or credit card. (2) Must show your CommunityAmerica debit card or credit card to receive the discount at the UMSL Triton Store located in the Millenium Student Center. Discount only applies to in-store purchases, not available for online purchases. Eligible in-store purchases include UMSL branded clothing gear and gifts/gear only. Discount expires after 10/31/2025.
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.
