Gold Checking Account

USC Credit Union’s dividend-bearing Gold Checking Account also offers ATM perks.

< View all Checking options

A Gold Checking account is a dividend-bearing checking account ideal for someone who keeps a moderate savings balance.


Gold Checking features include:

  • No direct deposit requirement
  • Unlimited check writing
  • Free Tommy Trojan debit card
  • Dividends (you must maintain a minimum daily balance of $750)

You can open your dividend-bearing Gold Checking account with a $750 deposit. And, Gold Checking members are entitled to 5 free transactions at non-USC Credit Union and CO-OP ATMs every month.

All USCCU checking accounts offer:

  • Free Bill Pay
  • Free eStatements
  • Free Online Banking
  • 30,000 Fee-Free ATMs
  • 5,000 Shared Branch Locations

For current members, open your checking account via online banking.


$750 opening balance requirement. Must maintain $750 daily checking balance or $3,500 in combined checking & savings accounts.
NOTE: If requirements are not met a $5 monthly service charge will accrue on your account.

as high as


Share Draft (Checking)

  • Type
  • Gold Checking
    $750 minimum balance to obtain APY
  • Trojan Checking
    $2500 minimum balance to obtain APY

Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.

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Insured Security
Keeping your money safe is of utmost importance to us. We protect your deposits with Federal Deposit Insurance. Balances up to $250,000 are insured by the National Credit Union Administration, a U.S. government agency.

Direct Deposit
Have your paycheck or any recurring payments deposited electronically right into your account by using our Direct Deposit feature. It’s safe, simple to set up, and saves you time.