*PremiumSpend checking account disclosure: A $8.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $5,000 average daily balance maintained in the PremiumSpend Checking Account during that month; or (b) minimum $25,000 combined share account balance maintained at USC Credit Union every day during that month.
(2) PremiumSpend Checking Accounts are subject to a variable rate. For the current dividend rate(s) and corresponding APY(s), refer to the separate Rate Sheet.
(3) The minimum opening deposit for PremiumSpend Checking Accounts is $25.00. The minimum balances required to earn dividends are disclosed in our Schedule of Fees.
(4) 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) PremiumSpend Checking Account owners are provided access to approximately 32,000 fee-free nationwide COOP ATMs and to approximately 2,300 fee-free Citi Community Network ATMs. In addition, PremiumSpend Checking Account owners are provided access to 5,200 fee-free nationwide Shared-Branching locations.
(6) PremiumSpend Checking Account owners are provided the following free services: free check writing, free incoming domestic wire transfers, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle, free eStatements, optional free paper statements, one (1) complimentary financial review with a Trojan Wealth Management advisor, free non-network domestic ATM transactions (up to four (4) each month), free Credit Union cashier’s checks or money orders (three (3) a month), free Credit Union notary services (one (1) a month), free temporary checks, and free access to their credit score through online banking.
(7) PremiumSpend 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 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.
(8) Only USC Credit Union certificate accounts opened after a PremiumSpend Checking Account is established are eligible for the additional 0.25% added to the dividend rate. Certificate accounts opened prior to the establishment of PremiumSpend Checking are not eligible for this 0.25% increase.
(9) Select new USC Credit Union loans opened by an owner of a PremiumSpend Checking Account will be eligible for a 0.25% APR discount on the loan rate for as long as the owner maintains the PremiumSpend Checking Account.
(10) Any USC Credit Union closed-end or home equity line of credit mortgage loan application approved that was submitted by a PremiumSpend Checking Account owner will receive a $250 mortgage closing cost discount that will apply to Credit Union-imposed and third party closing costs. 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.
2Smart Yield Savings Disclosure: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 1.75% – 3.55% based on balance tiers. For full details visit Usccreditunion.org/rates. A minimum opening deposit of $100 is required. Fees may reduce earnings.
To earn applicable tiered APY, you must:
- Have a qualifying direct deposit totaling at least $2,500 per month via ACH (e.g., payroll, Social Security). Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit.
- And meet at least one of the following criteria:
- Have a PremiumSpend checking account
- Carry a USC Credit Union consumer loan of $20,000 or more
- Have a mortgage loan of $50,000 or more
- Maintain at least $50,000 in combined share balances, or
- Have an active account with Trojan Wealth Management
If requirements are not met in a given month, the account will earn a non-qualifying rate of 0.15%. Please review our Schedule of Fees for a full list of applicable charges. For complete account terms and conditions, refer to the USCCU Truth-in-Savings disclosures. Must meet membership eligibility requirements. Federally insured by the National Credit Union Administration (NCUA). Rates effective as of 4.5.2026 and are subject to change without notice.
3Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
4Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
5Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit can be found online at ClubChecking.com or through the Club Checking mobile app.
6Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
7Available for the account owner(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
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