CommunityAmerica Credit Union Cashback Free Checking $400 Bonus

1. 1

   Open account

   Open a new Cashback Free Checking or Chiefs Checking account (subject to credit approval) with promo code KC400, between August 31, 2026 and December 31, 2026. You must reside in the Kansas City MO-KS designated market area and meet CommunityAmerica membership requirements. Not eligible if you owned a CommunityAmerica personal checking account in the past 12 months.

2. 2

   Meet monthly cash back qualifications

   Each month during a 12-month eligibility period (starting the 1st of the month after account opening), enroll in eStatements AND either (a) receive one direct deposit of $250 or more (not aggregated) plus post 15 or more point-of-sale debit card purchases, or (b) post 25 or more point-of-sale debit card purchases alone (no direct deposit needed on this path). Meeting qualifications earns 6% cash back on debit transactions that month, up to a $30 bonus credit, deposited within 30 days after month end. Limit 12 monthly bonus credits; combined standard + bonus cash back capped at $400 for the eligibility period.

Each month you meet the cash back qualifications, CommunityAmerica deposits that month's bonus cash back (up to $30) within 30 days after the month ends. Total combined standard + bonus cash back is capped at $400 over the 12-month eligibility period; the final month's payout may be reduced to as little as $10 once the cap is reached.

Account Details

Eligibility

Tips & Gotchas

• →This replaces CommunityAmerica's old $150/$250/$400 one-time DD-tier offer (SPRING26), which expired 8/30/2026. The new KC400 promo pays monthly cash back instead of a one-time lump sum.
• →You earn up to $30/month in bonus cash back for up to 12 months, capped at $400 total combined with the standard 1% cash back.
• →Qualify each month with EITHER a $250+ direct deposit plus 15+ debit card purchases, OR 25+ debit card purchases alone, plus eStatements enrollment either way.
• →Eligibility is limited to the Kansas City MO-KS market area. Open by December 31, 2026 with promo code KC400.

Direct Deposit Data Points 5

5 community reports across 3 transfer sources, showing what triggers a qualifying direct deposit at CommunityAmerica Credit Union.

View all CommunityAmerica Credit Union direct deposit data points →

Can You Earn This Bonus Again?

Fine Print

Open a new Cashback Free Checking or Chiefs Checking account (subject to credit approval) with promo code KC400 between 8/31/2026 and 12/31/2026, reside in the Kansas City MO-KS DMA, and meet CommunityAmerica membership requirements. Eligibility period to earn bonus credits is 12 months, starting the 1st of the month after account opening. Each month, enroll in eStatements AND either (a) receive one direct deposit of $250+ plus post 15+ point-of-sale debit card purchases, or (b) post 25+ point-of-sale debit card purchases alone, to earn 6% cash back on debit transactions, up to $30 bonus that month, deposited within 30 days after month end. Limit 12 monthly bonus credits; limit $400 total standard and bonus cash back during the eligibility period; final month's payout may be reduced to as low as $10 if the cap is reached. Credits may be reported as income on IRS Form 1099-MISC. Offer subject to change without notice; cannot be combined with other offers. Verified on communityamerica.com 2026-08-31.

Taxable income · Reported on 1099-MISC

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