Student Checking and Savings Accounts

Financial freedom is yours with student checking and student savings designed specifically for you. Take the first step in becoming financially independent, and start saving for your future with easy access to your money anytime, anywhere.

Student Checking and Savings

Banking for Trojans, By Trojans

Managing your money shouldn't be as hard as your homework. Open a Student account that fits you and campus life. Think no monthly service charge, free ATMs, and mobile banking.

Features and Benefits


Free withdrawals at USC Credit Union ATMs and two free withdrawals per month at any ATM.


Two free incoming wire transfers per year**

Monthly Fees

One-time, lifetime membership fee of only $9 and NO monthly service charge*

Transaction Fees

No Foreign Transaction Fees on Debit Card Transactions

ATMs & Branches

Free access to over 30,000 shared ATMs nationwide and over 5,000 shared branches nationwide

Mobile Apps

Use our mobile app to deposit checks, transfer money to your friends and family, pay your bills, and more

Helpful Tips

You Will Need:

  • Government-issued ID (Drivers License, Passport, etc)
  • USC ID or Acceptance letter (must have USC ID Number on letter)

Step 1: Read the Instructions

  • Complete our online membership application.
  • As a member, you will have a regular Share Savings account. Opening other accounts with the credit union is optional.

Step 2: Wait for Us to Contact You

  • Once we receive your application, we will contact you to finalize your documentation within 24 hours.
  • The minimum initial deposit to open your account is $10 ($9 lifetime membership fee and $1 minimum deposit to your savings account).
  • You may be prompted to deposit $44 into your account, however please disregard that prompt as your minimum deposit is only $10.
  • The easiest way to make your initial deposit is to transfer money electronically from another financial institution.

Step 3: Once You Arrive

  • Once you arrive on campus, visit one of our branch locations so we can:
    • Verify your identification and signatures.
    • Activate your account.
    • Issue your debit card.
  • If you used the Credit Union’s address, please update the address and phone number(s) as soon as you come in to get your debit card.

Step 4: Receive Your Account

  • You will receive your account number via a secured Docusign email once the account has been opened within 24 hours.
  • Use your Account Number/Member Number to register for online banking.
Yes! Your financial future is in your hands—literally. With mobile banking, you have a USC Credit Union branch in the palm of your hand, so you can take care of business without adding one more “to do” to your list. Deposit checks, pay bills, review account balances and more anywhere, anytime.
Website and apps

Contact Us

Visit one of our branches if you want in-person help or visit us online when you don’t. Connect with us however it’s convenient for you and always remember – we’re here to help.

Disclosure: *Must 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.
**See Schedule of Fees for subsequent transactions.
+Other institutions may charge a fee.
Federally insured by the NCUA
Customized by USC Credit Union