Personal Checking

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

CampusSpend

Financial Freedom for Students

One less thing to stress about. The CampusSpend checking account is designed just for busy students like you. Giving you the tools to manage your money with confidence and ease.

  • No monthly fee1 – more savings for what matters most
  • 2 free non-shared network ATM transactions a month2
  • 2 free incoming wire transfers3 – domestic or international
  • Ages 18–25 built for young members – start your financial journey

With CampusSpend checking, you can focus on school, not your bank account.

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 8.9.2025

Rates as high as:

0.02%

View Rates

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 8.9.2025

Rates as high as:

0.05%

View Rates

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?

Compare Personal Checking Accounts
Features
Cardinal
Gold
Trojan		CampusSpend Icon
CampusSpend
The right fit if you want a…Basic no-frills checking account with no minimum daily balance requiredChecking account that earns you dividends with a low minimum balanceChecking account that gives you the biggest bang for your buck (i.e., our highest interest)A free account for students 18–25 built for financial independence.
Minimum Opening Balance$25$750$2,500$0
Daily Balance RequirementNone$750 or $3,500 in combined checking & savings accounts$2,500 or $7,500 in combined checking & savings accountsNone
Monthly Service ChargesNone$5 fee if balance falls below requirement$7 fee if balance falls below requirementNone
DividendsN/APaid monthly for balances $750 and greaterPaid monthly for balances $2,500 and greaterN/A
Free Online BankingYesYesYesYes
Free Withdrawals at USC Credit Union, Co-Op, Shared Network or Citibank (branch only) ATMs*YesYes
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 FeaturesUnlimited check writingUnlimited check writingUnlimited check writing, plus three no-fee cashier’s checks or money orders per monthEarly direct deposit
2 FREE incoming wire transfers/year***
Free Debit CardYesYesYesYes
Zelle/Virtual WalletYesYesYesYes
Links to Open AccountsOpen CardinalOpen GoldOpen TrojanOpen CampusSpend

    *Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations.  View our Schedule of Fees for details on any fees you may incur.

    **Two free non-shared network ATM transactions per month with CampusSpend, 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. 

    ***2 free incoming wires annually by calendar year, starting January 1st and ending December 31st, (combined domestic and foreign) with CampusSpend. See Schedule of Fees for subsequent transactions.

    ****View our Schedule of Fees for subsequent transactions.

    Excellent customer service. I was able to obtain many perks when opening an account with USC Credit Union. I not only got a checking account but a savings account and personal checks.

    -Mayra

    • 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.

    • Mobile Banking

      Manage your finances wherever, whenever. Use our Mobile Banking app to check balances, pay bills, transfer money and deposit checks.

    • 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.

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        Let’s Chat

        Need help to open a checking account? Talk to a member specialist. We’re always here to lend an ear and all the guidance you need.

        *View our Truth-in-Savings Disclosures in Online Banking for details on free checking. View our Schedule of Fees for details on any fees you may incur.

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

        ***Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. View our Schedule of Fees for details on any fees you may incur.

        ****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.

        1Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit www.USCCreditUnion.org 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 CampusSpend, 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, starting January 1st and ending December 31st, (combined domestic and foreign) with CampusSpend. See Schedule of Fees for subsequent transactions.