Student Banking Services

As a member of the Trojan financial family, we want to make sure that you start your financial future off on the right foot!

USC Credit Union is here to meet your financial needs with the exceptional service you expect. Our Student Banking Services are free* and include the following features and benefits:

Student Checking

  • NO monthly service charge*
  • Free withdrawals at USC Credit Union ATMs
  • Two FREE withdrawals per month at ANY ATM** +
  • Two FREE incoming wire transfers per year**
  • One-time, lifetime membership fee of only $9
  • Savings account ($1 minimum balance) required for membership
  • Must be a USC Student+

+Converts to Cardinal Checking 30 days after graduation or change in student status.

All USCCU checking accounts offer:
  • Free Bill Pay
  • No Foreign Transaction Fees on Debit Card Transactions
  • Person-to-Person Money transfers
  • Free eStatements
  • Free Home Banking, Mobile Banking, and eStatements
  • Free access to over 30,000 shared ATMs nationwide, including at 7-Elevens, Costcos and Walgreens
  • Free access to over 5,000 shared branches nationwide

Savings Account

A basic savings account perfect for students just starting out. We also offer interest-bearing savings accounts if you’ll be keeping a minimum balance of $750.

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Home Banking

Manage your money wherever you happen to be. Pay bills, check account balances and more with Home Banking from USC Credit Union.

Free Bill Pay

We make it easy to take care of life’s little details. Send payments online to virtually any person or business, and set up automatic payments to make sure you don’t miss a payment!

Debit Card

Use your USC Credit Union MasterMoney debit card wherever MasterCard is accepted.


Your USC Credit Union MasterMoney ATM/debit card is accepted at thousands of fee-free ATMs locally, in the United States, and worldwide—30,000 in fact! You can even withdraw cash at 7-Eleven store ATMs, Costco, and Walgreens.

*Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit to confirm eligibility. Must be between 17 and 24 years old. Converts to Cardinal Checking thereafter. 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.