Trojans, your financial independence starts here.

Build credit, manage your expenses and get one step closer to the financial freedom you crave with a Student Checking account. Ours fits you, your budget and your USC campus life with lots of timesaving mobile features and free perks like:

  • No monthly service charges1
  • 2 free withdrawals per month at any non-shared ATMs2
  • 2 free incoming wire transfers3
  • Flexible ways to pay with debit card, Zelle®, and Virtual Wallet payments
  • $0 liability on unauthorized purchases with your debit card

One-time lifetime membership fee of only $91

Checking for Trojans, by Trojans.

What’s the best bank checking account for students? The one that’s not from a bank. Join the USC Credit Union family. Open a Student Checking account online or on campus today.

I enjoy the customer service and the free student checking account.


  • 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.

  • In-School Student Loans

    Help with tuition when you need it. USC Credit Union’s unique line of credit loan lets you draw what you need any time – no need to reapply.

  • Student Credit Cards

    Students, this one’s for you. Establish your financial independence. Build a strong credit history. Even get rewarded for everyday purchases.

1Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit to confirm eligibility. Must be a USC Student and at least 17 years old. Converts to Cardinal Checking 30 days after graduation or change in student status. 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) Student Checking Account per Student ID Number. Student Checking 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 Student Checking 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 Student Checking, 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, January 1st, (combined domestic and foreign) with Student Checking. See Schedule of Fees for subsequent transactions.

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.