Posted by William Charles on November 26, 2017
Bank Account Bonuses

Published on November 26th, 2017 | by William Charles


[Expired] [KS & MO only] CommunityAmerica Credit Union $100 Checking & $50 Savings Bonus – Direct Deposit Optional

This has expired but it’s back for 2018!

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: Six months or bonus forfeit
  • Household limit: None listed
  • Expiration date: December 2nd, 2017

The Offer

Direct link to offer

  • CommunityAmerica Credit Union is offering the following bonuses when you enter promo code HOLIDAY150.
    • Open a checking account and get a $100 bonus when you Maintain the qualifications for cash back for 31 consecutive days
      • Must be enrolled in eStatements, have a monthly direct deposit of at least $250 posted to one deposit-suffix, and a single Checking-suffix must have 15 posted point-of-sale debit card transactions per month, OR the membership account number must be enrolled in eStatements and have a single Checking-suffix with 25 posted point-of-sale debit card transactions per month. Transactions exclude refunds/credits, and ATM transactions
    • Open a high interest savings account as well and get a $50 bonus when you complete the following requirements:
      • Deposit $1,000 within 60 days
      • Maintain the qualifications for cash back for 31 consecutive days

The Fine Print

  • Current checking account members do not qualify.
  • Limit one per person.
  • Accounts opened at branches or over the phone do not qualify for offer.
  • Offer is subject to change without notice.
  • Requires new savings and checking relationship with the Credit Union.
  • Those with existing savings or checking accounts or accounts closed within the past six months do not qualify.
  • Business, IRA, and Minor accounts not eligible for this offer.
  • Qualifications to receive $100: 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 the qualifications.
  • Qualifications to receive $50: open a High Interest Savings account and reach a balance of $1,000 within 60 days of the new checking account opening, and maintain the ‘Qualifications for cash back’ requirements for a consecutive 31 days. $50 will be deposited into primary savings account within 30 days of meeting the qualifications.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

All of their accounts have no monthly fee to worry about,you also need to keep the account open for six months or the bonus is forfeit

Our Verdict

So it looks like you either need to do eStatements, direct deposit and 15 debit card transactions per month or eStatements and 25 debit card transactions per month. Seems an extra 10 debit card transactions is worth not having to worry about the direct deposit requirement. Saving bonus looks easy with just a $1,000 deposit requirement. Not really a great deal due to the hard pull unfortunately. Because of that I won’t be adding this to the best checking bonuses.

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:

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looks like Visa/Mastercard funding. Not sure of the Max amount. I did $500 and $500, and it didn’t auto-reject me. But it appears the online form does not have any sort of d-base pull or approval/scanning – it submits it for a banker to complete later.

If i get approved, that’ll mean it’s not a hard pull, as i have a freeze on all 3 bureaus.

I don’t live in St Louis County, but i work in it. And i wasn’t asked WHERE i work, or the address, so maybe you can fudge it? But if a banker calls, i suppose you’ll have to gin up an address or something.


According to the fee schedule, you have to keep it open for 6 months or else the closing fee is the promotional payment.


I did 2k and 2k on Citi AA Biz w/cash limit set to $500. Not auto rejected, but said they would contact me to complete application. I did get a hard pull on TU. I live in St. Louis County.


Per the rep I spoke with a few months ago there is a hard pull to open any account, but they use that pull for any credit requests for 30-60 days afterwards.


If they had a decent card offer it wouldnt be so bad to combine a checking / savings / cc with 1 pull on TU. No idea what kind of cc they offer though so ill pass


Nothing special. They have a 0% for 12 months card and one that pays 1.5% cash back.

They did send me a mailer for a car loan at 2.99% a month or so ago. Again, nothing special but on par for top credit score loans from the local banks.

Too Good 2B!
Too Good 2B!

Any idea what “single Checking-suffix” means?


Credit unions have a weird account number system. Your account number will be 12345-xx, so for example:
– 01 is a savings account
– 09 is a checking account
– 05 is a money market
– 08 is a CD
– 02 is the Christmas club savings, etc.

It varies by CU, so the numbers above are just made up.

I’m assuming that the debits must come from a single checking account – you can’t have 8 debits from the -09 account and 7 debits from the -05 account to qualify for the promotion. All need to come from the same account, or suffix as they refer to it.


any idea what they consider a DD? I transferred some money in from Schwab Brokerage, and it literally says “Direct Deposit: Schwab” on the line item.

I haven’t received the debit card yet, so i can’t meet the rest of teh requirements – i assume the APY listed on the account will adjust when i meet the requirements (like how CCU-IL does).

john mccann
john mccann

Applied online. I had to call for the status(not even an e-mail). The said to go into a branch and finish opening. Had to go to a branch in Lee Summit-NOT St.Louis to get the bonus. The old hard pull. Probably you have to beg to get the bonus,too.

Too Good 2B!
Too Good 2B!

I opted to do this bonus because I needed to hit MS on a new credit card and got declined by PNC 🙁
Here is my DP:

Opened online 12/1 with the promo. The savings is the default membership account and then you can add the Cashback Free Checking and High Interest Savings to your application. I was able to fund EACH account with $1001 for a total of $3003 to my Citi AA Business card.

The application does not get auto approved online but goes to a banker. I was notified morning of 12/2 by email that I had been approved, and was contacted by a banker to explain the account and answer any questions. After I e-signed the application docs, my funding was charged in three separate transactions to my Citi card.

Great bank account if you need to hit MS on a Visa/Mastercard. Because it’s a hard pull, I think I am going to keep it open after bonus. No fees associated with any of the accounts, and the high interest 4.00% savings up to $1500 is better than my main bank – just have to keep the checking active with debit transactions as noted above to get the high interest.

Too Good 2B!
Too Good 2B!

Just a reminder to make sure you are enrolled in e-statements for the bonus!

Too Good 2B!
Too Good 2B!

Bonus posted fast! Last of my 25 debit transactions were completed 12/16 and I parked over $1000 in high interest savings when I opened. $100 bonus was credited 12/18, and $50 bonus credited 12/20.


wow, that’s incredible. i went slow & steady with my debits (using Google Wallet) and it took a couple weeks for the DD to set up (employer). Still waiting – though i expected i’d have to wait the 31 days like the offer says…

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