# CommunityAmerica Cashback Free Checking: $400 bonus

Canonical: https://dealaka.com/offers/communityamerica-cashback-free-checking-sign-up-bonus

- Status: Limited reports
- Bonus: $400
- Requirement: $10,000+ in direct deposits within 90 days
- Expires: Jul 31, 2026
- Availability: Nationwide
- Institution: CommunityAmerica
- Verified: Jul 20, 2026 against communityamerica.com
- Field reports: 0

## Summary
CommunityAmerica offers up to $400 for opening a new Cashback Free Checking or Chiefs Checking account in the Kansas City or St. Louis area. To get the top $400 tier you must set up at least $10,000 in total direct deposits within 90 days of opening, using promo code SPRING26.

## Requirements
1. Open a new Cashback Free Checking or Chiefs Checking account between 3/23/2026 and 7/31/2026.
2. Enter promo code SPRING26 at account opening.
3. Enroll in eStatements within 90 days of opening.
4. Complete two or more direct deposits totaling $10,000 or more within 90 days.
5. Receive the $400 incentive deposited into your savings account within 30 days after the deposit period ends.

## Fine print that matters
- Offer limited to individuals who have not owned a CommunityAmerica personal checking account in the past 12 months.
- Offer limited to residents of the Kansas City, MO-KS and St. Louis, MO-IL designated market areas.
- Direct deposits must be electronic paycheck, pension, or government benefit deposits; Zelle/P2P payments and micro-deposits do not qualify.
- Account must be open and in good standing at time of payout.
- Limit one checking bonus per account and cannot be combined with other offers.
- The incentive may be reported as income on IRS Form 1099-MISC.

## Sources
- communityamerica.com offer page <https://www.communityamerica.com/personal/bank/accounts/checking/kc-checking-promo> (checked Jul 20, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._