Offer at a glance
- Maximum bonus amount:400 dollars
- Availability:Kansas City, MO-KS; St. Louis MO-IL
- Direct deposit required:Yes, two direct deposits totaling $10,000+ for full bonus
- Additional requirements: Use promo code and e-statements
- Hard/soft pull:Hard pull
- ChexSystems:Unknown
- Credit card financing:At least $1,000
- Monthly fees:ANY
- Early account closure fee:Loss of bonus, six months
- Family boundary:None listed
- Expiration date: 6/30/26
Offers
- CommunityAmerica offers up to a $400 checking bonus when you open a new checking account with promo code SPRING26 and activate eStatements. The bonus you receive depends on the amount of direct deposits received (you must receive two or more):
- Earn a $150 bonus with total direct deposits of $2,000 – $4,999.
- Earn a $250 bonus with total direct deposits of $5,000 – $9,999.
- Earn a $400 bonus with total direct deposits of $10,000 or more.
Fine Press
- Offer limited to individuals who have not owned a CommunityAmerica personal checking account within the past twelve (12) months.
- Offer limited to individuals residing in the following designated market areas (DMAs): Kansas City, MO-KS; St. Louis MO-IL.
- To obtain a credit for a new checking account, you must meet the eligibility requirements for membership at UnionAmerica Credit Union and (1) reside in one of the eligible DMAs listed above; (2) Open a new Cashback Free Checking or Chiefs Checking account, subject to credit approval, between 3/23/2026 – 6/30/2026; (3) enter promo code SPRING26; (4) within 90 days of account opening (“Filing Period”), register for electronic statements (eStatements); and (5) complete two or more direct deposits totaling at least $2,000 into the new Free Cashback Checking or Chief Checking account.
- Members are eligible for the following incentive amounts based on the total value of their direct deposits during the deposit period:
Total Direct Deposits of $2,000 to $4,999.99: Eligible for a $150 incentive.
Total Direct Deposits of $5,000 up to $9,999.99: Eligible for a $250 bonus.
Total Direct Deposits of $10,000 or more: Eligible for a $400 incentive. - Direct deposits must be electronic deposits of your salary, pension or government benefits from your employer or government. Person-to-person payments (such as Zelle) or microdeposits (usually less than $1) do not qualify as direct deposits. After the end of the Deposit Period, if all qualification requirements are met, the applicable incentive will be deposited into the membership savings account of the primary account owner within thirty (30) days.
- Account must be open and in good standing at time of payment to qualify for 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, deceit or financial exploitation, or accounts involved in legal or administrative proceedings.
- Limit one checking bonus per account.
- Offer subject to change without notice and may not be combined with any other offer.
- The credit can be reported as income on IRS Form 1099-MISC.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
Free checking has no monthly fees to worry about.
Early account termination fee
The account is closed within 6 months of the fee. . $25.00 or balance (applies to checking, money market or savings accounts.
Our verdict
The most recent bonus was $300. This required only $2,500 in direct deposits. The previous limited location bonus was $400 but also required a savings account. The direct deposit bonus on this bonus is extremely high but still accessible to many readers.
Hat tip to the reader sweetness
Useful posts about bank bonuses:
- A Beginner’s Guide to Bank Account Bonuses
- Bank Account Quick Reference Table (Calculated Sheet) (very useful for ranking bonuses according to different parameters)
- PSA: Don’t call the bank
- Login to ChexSystems
- Banks and credit unions that are sensitive to ChexSystems requirements
- What Banks and Credit Unions Do/Do Not Attract ChexSystems?
- How to use our direct deposit site for banking bonuses site
- Common Bonus Bank Misconceptions + Why You Should Give Them a Go
- How many bank accounts can I safely open in a year for the purposes of the bank bonus?
- Affiliate links and bank bonuses – We will not use them
- Complete list of ways to close bank accounts in each bank
- Banks that allow/disallow overseas check applications
- Bank bonus posting times
