Get the best of the basics with this free checking account.

Enjoy the ease of no minimum balance and a low opening deposit with this best-of-the-basics checking account. Named after the brilliant red in USC’s official colors, Cardinal Checking is our basic free checking account* – low on frills, high on features, including:

  • No minimum balance
  • 30,000 fee-free ATMs and 5000 Shared Branches
  • No monthly service fee*
  • Flexible ways to pay with debit card, Zelle®, and Virtual Wallet 
  • $0 liability on unauthorized purchases with your debit card

Insured Security

As a credit union, we keep your deposits safe with the National Credit Union Administration, a federal agency that insures balances up to:

No minimum. Free online banking. No monthly service fee.

Basics with benefits? You got it. Cardinal Checking checks all the boxes, plus it’s easy to open online or at any branch.

The checking account doesn’t have all those hidden fees that the big banks do.


  • 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.

  • Savings Accounts

    The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

  • Direct Deposit

    Get paid early! Have your paycheck or any recurring payments deposited electronically into your checking account online. It’s safe, easy to set up, and a real timesaver.

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

U.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.