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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
Student Checking
Trojans, financial independence starts here.
Our student checking account fits you, your budget and your USC campus life.
- Maintain your account with no minimum daily balance
- No monthly service charges*
- Make two free withdrawals per month at any ATM*
Gold Checking
Interest checking accounts made easy.
Keep a low minimum daily balance of just $750, and this interest-bearing checking account will pay you dividends with every check you write.*
- Earn dividends with a daily balance of at least $750
- No direct deposit requirements
APY is accurate as of 5.21.2025
Rates as high as:
0.02%
Trojan Checking
Your best interest checking account option for higher balances.
Take advantage of all the benefits of our premium value checking account, including high interest on your balance.*
- Earn dividends with a daily balance of at least $2,500
- No direct deposit requirements
APY is accurate as of 5.21.2025
Rates as high as:
0.05%
Cardinal Checking
Open our most popular checking account online with just a $25 deposit.
Enjoy the ease of no minimum balance and a low opening deposit with this best-of-the-basics free checking account.*
- Get mobile banking, free bill pay and more with no monthly service fee
- No balance or direct deposit requirements
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
- Gold Checking Account holders receive five (5) free non-USC Credit Union ATM transactions per month.
- Trojan Checking Account holders receive unlimited free non-USC Credit Union ATM transactions each month.
Which checking account is right for you?
 Cardinal |  Gold |  Trojan |  Student | |
|---|---|---|---|---|
| The right fit if you want a… | Basic no-frills checking account with no minimum daily balance required | Checking account that earns you dividends with a low minimum balance | Checking account that gives you the biggest bang for your buck (i.e., our highest interest) | Checking account designed for students (the basics with benefits) |
| Minimum Opening Balance | $25 | $750 | $2,500 | $0 |
| Daily Balance Requirement | None | $750 or $3,500 in combined checking & savings accounts | $2,500 or $7,500 in combined checking & savings accounts | None |
| Monthly Service Charges | None | $5 fee if balance falls below requirement | $7 fee if balance falls below requirement | None |
| Dividends | N/A | Paid monthly for balances $750 and greater | Paid monthly for balances $2,500 and greater | N/A |
| Free Online Banking | Yes | Yes | Yes | Yes |
| Free Withdrawals at USC Credit Union, Co-Op, Shared Network or Citibank (branch only) ATMs* | Yes | Yes 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 Features | Unlimited check writing | Unlimited check writing | Unlimited check writing, plus three no-fee cashier’s checks or money orders per month | Two free incoming wire transfers per year** |
| Free Debit Card | Yes | Yes | Yes | Yes |
| Zelle/Virtual Wallet | Yes | Yes | Yes | Yes |
| Open Cardinal | Open Gold | Open Trojan | Open Student |
