[Expired] [KS & MO only] CommunityAmerica Credit Union $100 Checking + $50 Savings Bonus

Deal has expired, view the best current checking bonuses by clicking here.

Offer at a glance

• Maximum bonus amount: $100 checking & $50 savings
• Availability: Must live, work or worship in select MO & KS counties.
  • MO: Clay, Jackson, Platte, St. Louis
  • KS:  Douglas, Jackson, Jefferson, Johnson, Leavenworth, Miamia, Shawnee, Wyandotte
• Direct deposit required: Optional
• Additional requirements: See below
• Hard/soft pull: Hard pull
• ChexSystems: Unknown
• Credit card funding: At least $2,000
• Monthly fees: None
• Early account termination fee:
• Household limit:
• Expiration date: December 31st, 2018

The Offer

Direct link to offer

• CommunityAmerica Credit Union has two bank bonuses currently available:
  • Open a checking account and receive a bonus of $100 when you maintain the qualifications for cash back requirements for a consecutive 31 days. Those requirements are:
    • Option 1:
      • Enrolled in eStatements
      • Monthly direct deposit of at least $250 posted to one deposit-suffix
      • 15 posted point-of-sale debit card transactions per month to a single checking-suffix
    • Option 2:
      • Enrolled in eStatements
      • 25 posted point-of-sale debit card transactions per month to a single checking-suffix
  • Open a savings account and receive a bonus of $50 when you complete the following requirements:
    • Reach a balance of $1,000 within 60 days and maintain the qualifications for cash back (see above) for a consecutive 31 days

The Fine Print

• Must qualify for membership, including being in good standing with the Credit Union.
• Offer expires 12/31/2018, unless otherwise indicated and may change or end without notice.
• Limit one per person.
• Those with existing checking accounts or accounts closed within the past six months do not qualify.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Free checking account has no monthly fees to worry about.

Early Account Termination Fee

I don’t see any early account termination fee mentioned. Last time this bonus was offered the accounts need to stay open for six months otherwise bonus was forfeited.

Our Verdict

This bonus is a bit confusing, but it’s actually quite easy from my understanding. Here’s how I’d do it:

• Open free checking account & enroll in eStatements
• Complete 25 debit card transactions (this triggers the $100 bonus)
• Open savings account, deposit $1,000 (this triggers the $50 bonus)

That being said this bonus isn’t worth considering due to the hard pull (unless you really desperately need the $2,000 in credit card funding and even then it’s not great). Because of that this won’t be on the best checking bonus page.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times