FlexSpend
Checking

*FlexSpend checking account disclosure: A $4.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $500 direct deposit to a USC Credit Union FlexSpend Checking Account during that month; (b) minimum $1,500 average daily balance maintained in the FlexSpend Checking Account during that month; (c) minimum $5,000 combined share account balance maintained at USC Credit Union every day during that month; and (d) minimum ten (10) USC Credit Union debit card transactions conducted during that month. No minimum opening deposit or minimum balance requirements otherwise applicable. This account earns no dividends. For payroll that can be verified by the Credit Union to its reasonable satisfaction, your direct deposit paycheck may be made available up to two (2) to three (3) calendar days prior to your regular payroll deposit date. 5 non-shared network ATM transactions with FlexSpend. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. FlexSpend Checking Account owners are provided the following free services: free check writing, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle, free eStatements, and free access to their credit score through online banking. FlexSpend Checking Accounts are also provided Overdraft Protection services that cover your check, ACH, debit card, and ATM transactions if your account has insufficient available funds to cover the transaction, but we pay the transaction anyway, resulting in a negative balance. Overdraft Protection services are only provided for everyday (one-time) debit card transactions, if you have opted in to payment of such transactions. Each overdraft transaction covered under the Overdraft Protection service is subject to a $14 fee. We reserve the right not to pay any overdraft transaction, even if we have paid such transactions in the past, and also will only make the Overdraft Protection service available to members in good standing. You must repay any negative balance resulting from overdrafts, including any fees and charges, Balance Protection may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Balance Protection limit reinstated. View our Schedule of Fees for details on any fees you may incur.

¹U.S. checking or savings account required to use Zelle^®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

When using Zelle^®, only send money to those you trust. If the recipient is already enrolled with Zelle^®, you can’t cancel a payment once it’s been sent. Neither USC Credit Union nor Zelle^® offers a protection program for authorized payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. If you are asked to send yourself money with Zelle^® or are asked to provide your Zelle^® credentials, don’t click on text message links or call the number that contacted you. Do not share your Zelle^® and any other passwords with anyone.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.