Contactless "Tap to Pay" Debit Cards

Introducing Your New Card

CommunityAmerica's debit and credit cards are now equipped with "Tap to Pay" technology to help speed up and secure your transactions.

Your new CommunityAmerica tap to pay debit card will soon be arriving in the mail. While your current card might not expire for a while, we just couldn't wait to get your new card to you so you can start taking advantage of all the benefits!

See our Frequently Asked Questions below and don't hesitate to contact us if you have any trouble activating or utilizing your new card.

Debit Card Benefits

Cash Back

Earn up to 1% cash back on the first $500 of monthly purchases - that's up to $60 per year!¹

Card Control

Use My Cards in the CommunityAmerica Mobile App to activate and monitor your card.

Profit Payout

Qualify for our yearly member-payout by using your card on at least 7 transactions a month.*

Contactless "Tap to Pay" Benefits

Secure

Contactless cards are currently among the safest forms of payment. It's difficult for a hacker to steal your card information.

Convenient

Contactless payments take seconds to complete, are faster than inserting a chip and are safer than swiping or paying with cash.

Touch-Free

Using your contactless card to make a payment allows you to avoid interaction with high-touch point-of-sale terminals.

How does "Tap to Pay" work?

A contactless "tap to pay" transaction creates a one-time code made up of a complex algorithm to accompany your payment information, helping to prevent fraud. When you tap to pay, this code is automatically transmitted with your account number to make the purchase. Your name, billing address and card verification code aren’t transmitted.

Tap to pay cards will still work in the traditional manner by swiping or inserting the chip. Point-of-Sale terminals that accept tap to pay transactions will show the below contactless symbol, similar to a Wi-Fi symbol with four curved lines getting bigger from left to right.

I got a reissued debit or credit card in the mail, but my current card is not due to expire for a while. Is it legitimate? Can I still use my old card?

Yes! We are proactively reissuing cards to our members, so you do not have to wait long to take advantage of the new card functionality. We recommend you activate it as soon as possible and safely discard your other card. Your current card will remain active and available for use until you active your new tap to pay debit card.

Will my automatic payments need to be reset?

No, you should be all set! Any subscriptions or automatic payments should still be properly set up after you’ve activated your new card. And remember, you can manage your automatic payments through My Cards in the CommunityAmerica Mobile App and Online Banking!

Will my current card stop working after a certain amount of time?

Your current card will continue to work until you activate your new contactless card. We recommend you activate your new card as soon as possible and safely discard your other card.

Are all CommunityAmerica Debit Cards and Credit Cards contactless now?

Yes! All newly-issued and reissued cards will have contactless "tap to pay" functionality. This includes damaged and lost or stolen cards that need to be reissued.

I received a reissued debit or credit card in the mail, but no one else in my family did. Will they be getting new cards too?

Based on our accelerated reissue timeline, it is possible some household members will get cards at different times than others. One family member receiving a new card does not necessarily mean others’ cards were sent at the same time.

1 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.