CommunityAmerica Credit Union Bonuses: $25, $100, $200, $400 Checking, Savings Promotions (KS, MO)

Check out the latest CommunityAmerica Credit Union bonuses, promotions, and offers here.

Update 3/19/25: Here’s a link where you can earn a $300 checking bonus and a $200 bonus when opening a Guided Investing account. The Chief’s checking offer is back and at an increased bonus of $300 (previously $200) through 1/31/25.

CommunityAmerica Credit Union Bonuses Review

CommunityAmerica Credit Union is committed to creating lasting relationships with the local business community and the individuals who make them successful. Additionally, they strive to deliver an exceptional member experience through trust-based advice to meet your business’s unique financial needs.

I’ll go over the CommunityAmerica Credit Union bonuses & offers below.

CommunityAmerica Credit Union $400 Checking Bonus

When you open a new checking account, you can earn a $400 bonus from CommunityAmerica Credit Union.

• What you’ll get: $400 Bonus
• Eligible account: Cashback Free Checking, Chiefs Checking
• Availability: KS, MO (Bank Locator)
• Credit Inquiry: Hard Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0
• How to earn it:
  • To receive the $400 credit, you must first meet CommunityAmerica Credit Union membership eligibility requirements.
  • Other qualifications are as follows:
    • (1) Eligible to the first 500 members that live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri.
    • (2) Open a new Cashback Free Checking or Chiefs Checking account, starting 4/1/2023 (members with existing Chiefs Checking or Cashback Free Checking accounts, or with Chiefs Checking or CashBack Free Checking accounts that have closed within the past six months do not qualify), and
    • (3) within 60 days of account opening set up a recurring monthly direct deposit of at least $250, not aggregated.
  • Within 60 days of meeting qualification requirements, a $400 credit will be posted into the primary account owner’s membership savings account.

(Limited time offer)

Editor’s Note: You can also earn up to $500 in bonuses when you open either a Chiefs Checking or Cashback Free Checking account to earn $300, and add a new Guided Investing account to earn an additional $200!

Fine Print

• Qualifications to Receive $400: To receive the $400 credit, you must first meet CommunityAmerica Credit Union membership eligibility requirements.
• Other qualifications are as follows: (1) Eligible to the first 500 members that live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri. (2) Open a new Cashback Free Checking or Chiefs Checking account, starting 4/1/2023 (members with existing Chiefs Checking or Cashback Free Checking accounts, or with Chiefs Checking or CashBack Free Checking accounts that have closed within the past six months do not qualify), and (3) within 60 days of account opening set up a recurring monthly direct deposit of at least $250, not aggregated.
• Applications are subject to credit approval.
• A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Transfers from one account to another, mobile deposits, or deposits made at a branch or ATM don’t qualify as a direct deposit.
• Within 60 days of meeting qualification requirements, a $400 credit will be posted into the primary account owner’s membership savings account.
• 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.
• Other requirements do apply.
• Limit one $400 credit per Checking account and per member.
• Offers 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.

CommunityAmerica Credit Union $300 Checking Bonus

When you open a new checking account, you can earn a $300 bonus from CommunityAmerica Credit Union.

• What you’ll get: $300 Bonus
• Eligible account: Cashback Free Checking, Chiefs Checking
• Availability: KS, MO (Bank Locator)
• Credit Inquiry: Hard Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0
• How to earn it:
  • To receive the $300 credit for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and
    • (1) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, through 12/31/2024 (members with existing Cashback Free Checking or Chiefs Checking accounts or with Cashback Free Checking or Chiefs Checking accounts that have closed within the past six months do not qualify), and within 90 days of account opening,
    • (2) enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App, and
    • (3) complete two or more direct deposits that total at least $2,500. The direct deposits need to be electronic deposits of your paycheck, pension or government benefits from your employer or the government.

(Expires 01/31/2025)

Fine Print

• To receive the $300 credit for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, through 1/31/2025 (members with existing Cashback Free Checking or Chiefs Checking accounts or with Cashback Free Checking or Chiefs Checking accounts that have closed within the past six months do not qualify), and within 90 days of account opening, (2) enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App, and (3) complete two or more direct deposits that total at least $2,500.
• The direct deposits need to be electronic deposits of your paycheck, pension or government benefits from your employer or the government. Person to person payments (such as Zelle) are not considered direct deposits. Within 30 days of meeting qualification requirements, your $300 credit will be posted into the primary account owner’s membership savings account.
• 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 $300 credit per account and per member. Offer subject to change without notice and cannot be combined with any other offer. The credit may be reported as income on IRS Form 1099-MISC. Cashback Free Checking/Chiefs 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 03/31/2023 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.

CommunityAmerica Credit Union $200 Checking Bonus (At Work Program)

When you open a new checking and savings account, you can earn a $200 bonus from CommunityAmerica Credit Union.

• What you’ll get: $200 Bonus
• Eligible account: Cashback Free Checking, Chiefs Checking
• Availability: KS, MO (Bank Locator)
• Credit Inquiry: Hard Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0
• How to earn it:
  • Only for new Chiefs Checking or Cashback Free Checking accounts with a limit of one per membership with the at work program.
  • Must have a monthly direct deposit of at least $250 posted to the new checking account.
  • Use Promo Code: BMC

(Expires 12/31/2024)

Fine Print

• All account applications are subject to approval.
• Valid promo code must be included on application.
• Only for new Chiefs Checking or Cashback Free Checking accounts with a limit of one per membership.
• Offer valid through 12/31/2024.
• Minimum balance is not required to obtain the bonus offer or open the checking account.
• Within 60 days of opening the new checking account, the member must have a monthly direct deposit of at least $250 posted to the new checking account.
• $200 will be deposited into primary savings account within 30 days of meeting qualifications.
• Must be an employee of a CommunityAmerica At Work Company.
• Please consult your tax advisers concerning the reporting to Internal Revenue Service of bonus payments as interest on accounts.

CommunityAmerica Credit Union $100 Guided Investing Bonus

• What you’ll get: $100 bonus
• Eligible account: Investing Account
• Availability: KS, MO (Bank Locator)
• Credit Inquiry: Hard Pull
• Direct Deposit Required: No
• Monthly Fee: $0
• How to earn it:
  • Get $100 when you invest $500 in a Guided Investing account before December 31.
  • To be eligible to receive the Guided Investing cash bonus offer (“Offer”), you must satisfy the following:
    • Open your Guided Investing account AND make a minimum “Initial Deposit” of at least $500 into your account by December 31, 2024.
    • Open your Guided Investing account through the CommunityAmerica Credit Union (“CommunityAmerica”) online banking application.
    • Keep your Guided Investing account funded with at least the Initial Deposit for 90 consecutive days after the date Copper Financial receives your Initial Deposit to qualify for the Offer.
    • Fund the account with the Initial Deposit within 60 days of opening your Guided Investing account.
    • Transfer your Initial Deposit into your Guided Investing account from a checking or savings account at CommunityAmerica, or through an external account via Plaid.
    • Transfers made from current accounts you have with Copper Financial are not eligible for the Offer.
    • Must not have closed any Guided Investing accounts 12 months prior to the beginning of this Offer.
    • Be a current CommunityAmerica member.

(Expires 12/31/2024)

Fine Print

• $100 Cash Bonus Offer: Get $100 for new Guided Investing accounts opened and funded between 08/15/2024 and 12/31/2024
• To be eligible to receive the Guided Investing cash bonus offer (“Offer”), you must satisfy the following:
  • Open your Guided Investing account AND make a minimum “Initial Deposit” of at least $500 into your account by December 31, 2024.
  • Open your Guided Investing account through the CommunityAmerica Credit Union (“CommunityAmerica”) online banking application.
  • Keep your Guided Investing account funded with at least the Initial Deposit for 90 consecutive days after the date Copper Financial receives your Initial Deposit to qualify for the Offer.
  • Fund the account with the Initial Deposit within 60 days of opening your Guided Investing account.
  • Transfer your Initial Deposit into your Guided Investing account from a checking or savings account at CommunityAmerica, or through an external account via Plaid.
  • Transfers made from current accounts you have with Copper Financial are not eligible for the Offer.
  • Must not have closed any Guided Investing accounts 12 months prior to the beginning of this Offer.
  • Be a current CommunityAmerica member.
• After your Guided Investing account has been funded for 90 consecutive days, CommunityAmerica will pay a $100 cash bonus to your share account at CommunityAmerica within two weeks. Your Guided Investing account and your share account at CommunityAmerica must be open and funded at the time the cash bonus is paid.
• The Offer is only valid on Guided Investing accounts. Other accounts available through Copper Financial are not eligible for the Offer. The Offer is only valid on individual, joint, Traditional IRA or Roth IRA Guided Investing accounts. Employees of Copper Financial, CommunityAmerica, and any subsidiary of CommunityAmerica are eligible to qualify for the Offer. You are responsible for selecting the account registration that is appropriate based on your personal situation. Existing members with an open Guided Investing account and no closed Guided Investing accounts 12 months prior to the beginning of the Offer are eligible to open an additional Guided Investing account and qualify for the Offer. Limit one Offer per member, regardless of the number of accounts opened and funded during the offer period.
• You should consider the features of a Guided Investing account prior to account opening. This Offer does not constitute a recommendation by Copper Financial as to whether a Guided Investing account is appropriate for your personal situation.

CommunityAmerica Credit Union $25 Checking Bonus 

Open a new checking account and meet the eligible requirements to earn the $25 bonus. Keep mind that this offer is valid for Prairie Village branch location only.

• What you’ll get: $25 Bonus
• Eligible account: Chiefs Checking, Cashback Free Checking or Free Checking
• Availability: KS, MO (Bank Locator)
• Credit Inquiry: Hard Pull
• Direct Deposit Required: No
• Monthly Fee: $0
• How to earn it:
  • An active checking account is 15 or more transactions within the first 60 days of account opening.
  • To qualify, new member must be at least 18 years of age.
  • Valid for new members for an active checking account, auto loan, mortgage or home equity.

(Limited time offer)

Fine Print

• Early closure fee of $25 may apply to new member if account is closed within first six months.
• May not be combined with any other offer.
• Program valid for consumer accounts only.
• CommunityAmerica Credit Union will report premiums paid to the IRS and a 1099 form will be issued at year-end.
• Any applicable taxes resulting from this offer are the responsibility of the recipient.
• By taking advantage of this referral, members acknowledge and understand that both the new member and referring member may learn that the other has an account with CommunityAmerica, by the nature of the promotion.
• Employees, Board of Directors and Volunteers of CommunityAmerica and their immediate families and households are not eligible.
• Subject to change at any time without notice.

CommunityAmerica Credit Union $150 Checking Savings Bonus (Expired)

When you open a new checking and savings account, you can earn a $150 bonus from CommunityAmerica Credit Union.

• What you’ll get: $150 Bonus
• Eligible account: Cashback Free Checking, Chiefs Checking, or High Interest Savings
• Availability: KS, MO (Bank Locator)
• Credit Inquiry: Hard Pull
• Direct Deposit Required: No
• Monthly Fee: $0
• How to earn it:
  • $100 Checking Offer:
    • Within 60 days of account opening, the member must maintain the ‘Qualifications for cash back’ requirements for a consecutive 31 days.
    • $100 will be deposited into primary savings account within 30 days of meeting qualifications.
  • $50 Savings Offer:
    • Open a High Interest Savings account at the same time as your checking account.
    • Reach a balance of $1,000 within 60 days of the new account opening.
    • Maintain the ‘Qualifications for cash back’ requirements for a consecutive 31 days.

(Limited time offer)

Fine Print

• Must qualify for membership, including being in good standing with the Credit Union.
• Offer may change or end without notice.
• Limit one per person.
• Employees, Board of Directors and Volunteers of the Credit Union and its affiliates, and their immediate families and household members, are not eligible.
• Only valid on new checking relationships with the Credit Union.
• Those with existing checking accounts or accounts closed within the past six months do not qualify.
• NCUA Insured

How To Waive Monthly Fees

• Chiefs Checking: None
• Cashback Free Checking: None
• Free Checking: None
• Student Checking: None
• Small Business Checking: None
• Business Growth Checking: None
• Analyzed Checking: You can use deposit balances to offset fees

Conclusion

If you are currently a resident of Kansas and Missouri and are currently interested in a new banking experience, then the promotion from CommunityAmerica Credit Union is a great bet for you! However, be sure to note that this account triggers a hard pull, meaning it will harm your credit score.

Feel free to comment on this post with any questions you may have about CommunityAmerica Credit Union, their accounts they offer, or coupon codes.

Furthermore, I would check out a list of our Savings, Money Market, and CD Rates to find other generous promotions you can utilize.

• Best Savings/Money Market rates
• Best CD Account rates

However, if you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.

Finally, check back often for more CommunityAmerica Credit Union Bonuses, Promotions, or Offers!