Student Checking Account

A simple account that covers all the essentials.

If you’re a USC student (between the ages of 17-24), USC Credit Union offers this basic student checking account to you FREE* while in school. It’s simple to open and simple to keep!

The Student Checking Account is free and includes:

  • 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

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

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A Rewards Credit Card Made just for Trojans!

You are eligible to apply for our Student Platinum MasterCard credit card. Our Mastercard gives you the money-saving value a student needs. It’s got a low rate, without an annual fee, balance transfer fee or foreign transaction fee and no fine print “gotchas” that trip up so many young people just as they’re starting to manage their finances. International Students please note you need to present the following forms of identification: Passport, US Visa, I-20, and I-94 to apply. Apply today!

Student Loans Made Simple and Affordable

When financial aid doesn’t cover everything, we can help. You may think your only options are to dig deeper into your pockets, and cut back wherever you can. But there’s another choice for filling in the shortfall: Our affordable Collegiate Choice® private student loan!Learn more

*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.