Personal Checking

Personal Checking

Open a checking account that fits your life, not the other way around.

There’s more than one way to enjoy the many benefits of being a USC Credit Union member-owner: Pick the one that’s right for you. Whether you’re looking for a basic no-frills, no-fee option or a high-yield, interest-bearing checking account, we’ve got you covered.* As your not-for-profit credit union, we’re here to enhance your financial well-being, starting with a checking account that fits your life, never the other way around.

Benefits:

  • Bank on the go and pay bills with Mobile and Online Banking
  • $0 liability for unauthorized payments with debit card
  • Get paid early with the convenience of Direct Deposit
  • Easy transfer of funds and free account alerts
  • Access to 30,000 fee-free ATMs and 5,000 shared branches
  • Low deposit requirements and low or no fees

CampusSpend

Financial Freedom for Students

One less thing to stress about. The CampusSpend checking account is designed just for busy students like you. Giving you the tools to manage your money with confidence and ease.

  • No monthly fee1 – more savings for what matters most
  • 2 free non-shared network ATM transactions a month2
  • 2 free incoming wire transfers3 – domestic or international

With CampusSpend checking, you can focus on school, not your bank account.

SimpleSpend

All the Essentials, None of the Fees

Banking should be simple, and with a SimpleSpend checking account, it is. Built for everyday use, this account offers a secure, stress-free way to manage your money.

  • Early paycheck with direct deposit
  • Your simple, no fee, daily option – perfect for managing daily finances
  • Check your credit score for free
  • Bank On Certified – a national initiative that meets standards for transparency, low cost, and accessibility

FlexSpend

Full-Service Banking That Works for You

Get the most from your everyday banking with a FlexSpend checking account. It’s a flexible, full-featured account designed to fit all your primary banking needs. With easy ways to waive the monthly fee, it’s built to reward your everyday banking activity.

  • Early paycheck with direct deposit
  • Waive the monthly fee with ease
  • Perfect for everyday use – tailored to support your full financial life
  • Flexible and affordable – no-frills banking with real value
  • Check your credit score for free
  • Optional overdraft protection

PremiumSpend

The Gold Standard in Everyday Banking

Take your banking to the next level with a PremiumSpend high-value checking account that rewards you for your relationship with us. From competitive dividends to premium perks, this is more than just a checking account, it’s a smart financial move.

  • Early paycheck with direct deposit
  • Earn a competitive dividend on your checking balance
  • Enjoy additional premium benefits at no extra charge and high-value features designed to support your financial goals
  • Save more with additional discounts
  • Check your credit score for free

APY is accurate as of 8.18.2025

Rates as high as:

0.05%

View Rates

Debit/ATM Cards

Go Cashless

Just like cash.

Use at gas stations, grocery stores, shops and restaurants worldwide. It’s filled with perks, including EMV chip technology for added security.

  • Withdraw up to $500 cash per day
  • FlexSpend Account holders receive five (5) free non-USC Credit Union ATM transactions per month.
  • PremiumSpend Account holders receive unlimited free non-USC Credit Union ATM transactions each month.

 

Which checking account is right for you?

Compare Personal Checking Accounts
FeaturesCampusSpend Icon
SimpleSpend		CampusSpend Icon
FlexSpend		CampusSpend Icon
PremiumSpend		CampusSpend Icon
CampusSpend
The right fit if you want a…Built for everyday use, this account offers a secure, stress-free way to manage your money.A smart, flexible checking account that fits your life, with everyday rewards and easy ways to waive the monthly fee.Our highest interest checking account that rewards you for your relationship with us.A free account for students built for financial independence.
Minimum Opening Balance$10$25$25$0
Daily Balance RequirementNoneMinimum $500 Monthly Direct Deposit
OR
$1,500 average balance in checking
OR
$5,000 in combined share balance
OR
10 Debit Card Transactions		$5,000 minimum daily balance in checking
OR
$25,000 in combined share balances		None
Monthly Service ChargesNone$4.95$8.95None
DividendsN/AN/ADividends paid monthly with minimum balance of $5,000 or $25,000 in combined share balances. Rates may vary after account is opened and can change without notice.N/A
Free Online BankingYesYesYesYes
Free Withdrawals at USC Credit Union, Co-Op, Shared Network or Citibank (branch only) ATMs*YesYes
Plus, five free transactions at non-USC Credit Union and Co-Op ATMs per month**		Yes
Plus, unlimited free transactions at non-USC Credit Union and Co-Op ATMs**		Yes
Plus, two free transactions at non-USC Credit Union and Co-Op ATMs per month**
Additional FeaturesEarly direct deposit
No access to check writing
Not eligible for overdraft transfers
Bank On Certified		5 FREE transactions at non-network ATMs**+
Extended coverage for everyday debit card transactions (optional)
Early direct deposit
Access to check writing		3 FREE cashier’s checks or money orders/month****
Free incoming domestic wire transfers
Early direct deposit
Free check writing and temporary checks
Complimentary financial review with Trojan Wealth Management
1 free credit union notary service/month
Additional 0.25% APY on USC Credit Union certificate dividends
$250 discount on closing costs on approved USC Credit Union home loans		Early direct deposit
2 FREE incoming wire transfers/year***
Free Debit CardYesYesYesYes
Zelle/Virtual WalletYesYesYesYes
Links to Open AccountsOpen SimpleSpendOpen FlexSpendOpen PremiumSpendOpen CampusSpend

    *Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations.  View our Schedule of Fees for details on any fees you may incur.

    **Two free non-shared network ATM transactions per month with CampusSpend, five free with FlexSpend, unlimited with PremiumSpend. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. 

    ***2 free incoming wires annually by calendar year, starting January 1st and ending December 31st, (combined domestic and foreign) with CampusSpend. See Schedule of Fees for subsequent transactions.

    ****View our Schedule of Fees for subsequent transactions.

    Excellent customer service. I was able to obtain many perks when opening an account with USC Credit Union. I not only got a checking account but a savings account and personal checks.

    -Mayra

    • Virtual Wallet

      Wave it and pay! Simplify your purchases with a secure digital version of your debit and credit cards on your mobile devices – and never fumble for plastic again.

    • Mobile Banking

      Manage your finances wherever, whenever. Use our Mobile Banking app to check balances, pay bills, transfer money and deposit checks.

    • Share Certificates

      Lock in our best yields on your terms. Share savings earn you a guaranteed return and let you choose your deposit amount and for how long.

      Educational Resources

      • News News

        Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union

        Read the original press release at: https://www.ccul.org/news/juntos-avanzamos-designation-bolsters-inclusion-at-usc-cu/ 

        On Monday, USC Credit Union proudly hosted a proclamation ceremony that officially marked its designation as a Juntos Avanzamos (“Together We Advance”) credit union. This national recognition, led by Inclusiv, highlights the credit union’s commitment to fostering financial inclusion, accessibility, and cultural services specifically for Latino and immigrant communities.

        Read Full Article

        Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union

      • Credit Unions Credit Unions

        Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

        Credit unions across the country have rallied together to support residents of Los Angeles County affected by the catastrophic Eaton and Pacific Palisades fires.

        Read Full Article

        Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

      • Fire Relief Resources Fire Relief Resources

        Los Angeles Wildfire Relief Resources

        Read Full Article

        Los Angeles Wildfire Relief Resources

      • News News

        2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

        This year’s Charity Challenge brings USC Credit Union and Notre Dame FCU together to support a cause bigger than the game itself. Each credit union has pledged $5,000, and the stakes are high: the winner of the Notre Dame vs. USC football game on November 30 will decide which charity receives a boosted $10,000 donation.

        Read Full Article

        2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

      • News News

        USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

        USC Credit Union is proud to announce the successful conclusion of a transformative 10-month financial literacy program in partnership with The RightWay Foundation.

        Read Full Article

        USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

      • Investments Investments

        High-Yield Business Savings Accounts: Consider a Credit Union!

        Are you looking to make your business’s savings work harder? High-yield savings accounts (HYSA) and high-yield money market accounts (MMA) can help grow your business savings at a competitive interest rate. It’s just one way to beat inflation while growing your funds for the future.

        Read Full Article

        High-Yield Business Savings Accounts: Consider a Credit Union!

      • Credit Unions Credit Unions

        Business Accounts at Credit Unions vs. Banks

        Choosing the right financial partner for your business isn’t always easy. Many traditional banks come with high fees, rigid rules, and one-size-fits-all services that might not fit your business needs. Business credit unions, like USC Credit Union, shine by offering competitive business bank accounts that often have better terms and more flexibility than traditional banks!

        Read Full Article

        Business Accounts at Credit Unions vs. Banks

      • Managing Debt Managing Debt

        Budgeting: Your Best Partner When In Debt

        With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.

        Read Full Article

        Budgeting: Your Best Partner When In Debt

      • Student Loans Student Loans

        Smart Student Loan Repayment Tips for 2024

        Navigating student loan repayment can be challenging, but 2024 brings new opportunities to ensure you’re on the right track towards financial freedom!

        Read Full Article

        Smart Student Loan Repayment Tips for 2024

      • Student Loans Student Loans

        Celebrating the Holidays with Student Debt

        The holidays are a time of joy and giving, but for many of us managing student loan repayments, it can also be a season of financial stress. But with a bit of planning, creativity, and focus on what truly matters to you this season, it’s possible to find holiday cheer without breaking the bank.

        Read Full Article

        Celebrating the Holidays with Student Debt

        Let’s Chat

        Need help to open a checking account? Talk to a member specialist. We’re always here to lend an ear and all the guidance you need.

        *View our Truth-in-Savings Disclosures in Online Banking for details on free checking. View our Schedule of Fees for details on any fees you may incur.

        **View our Schedule of Fees for details on any fees you may incur.

        ***Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. View our Schedule of Fees for details on any fees you may incur.

        ****Two free non-shared network ATM transactions per month with CampusSpend, five free with FlexSpend, unlimited with PremiumSpend. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees.

        1Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Must be a USC Student and at least 17 years old. Converts to FlexSpend checking 6 years after account opening. Must pass Chexsystem. All accounts are subject to approval process. If new membership is closed within the first 90 days, there is a $5 early membership fee. Limit one (1) CampusSpend Account per Student ID Number. CampusSpend Account is not applicable to organizational or business entities and must be opened as a personal accounts. Accounts are subject to all terms and conditions set forth in the Account Agreement and Truth-In-Savings Disclosure and CampusSpend Account Disclosure.

        2Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. Two free non-shared network ATM transactions per month with CampusSpend, five free with Gold Checking, unlimited with Trojan Checking. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. View our Schedule of Fees for details on any fees you may incur.

        32 free incoming wires annually by calendar year, starting January 1st and ending December 31st, (combined domestic and foreign) with CampusSpend. See Schedule of Fees for subsequent transactions.