FAQs

Take a look through our most frequently asked questions below. If you don’t see what you’re looking for, feel free to give us a call and we’ll be happy to help.

About USC Credit Union

How can I contact USC Credit Union?

We are always willing and ready to assist our members/owners. Please feel free to contact us if you have questions or concerns.

Phone: (877) 670-5860 (Hours: 9am – 5pm Monday-Friday)

Email: usccu@usccreditunion.org

Visit Us: View our locations

Where are USC Credit Union’s branch locations?

Campus Center
3601 Trousdale Pkwy, STU 106 (University Park Campus)
Los Angeles, CA 90089
Phone: (877) 670-5860
Fax: (213) 821-7151
Hours: 9am-5pm M-F
View Map

Flower Street Branch
3720 S Flower Street, CUB 1st Floor
Los Angeles, CA 90089
Phone: (877) 670-5860
Fax: (213) 821-7151
Hours: 9am-5pm M-F
View Map

Health Sciences Campus
1969 Zonal Ave., Suite 101B SRH 101B
Los Angeles, CA 90033
Phone: (877) 670-5860
Fax: (323) 442-3348
Hours: 9am-5pm M-F
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Orange County Relationship Center
2272 Michelson Drive, Suite 102
Irvine, CA 92612
Phone: (949) 437-0071
Fax: (213) 821-7151
Hours: 9am-5pm M-F
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What is USC Credit Union’s mailing address?

USC Credit Union
P.O. Box 512718
Los Angeles, CA 90051-2718

What are the USC Credit Union’s hours?

All three branch locations are open from 9am-5pm, Monday through Friday. No Saturday hours are available.

What happens if I bounce a check?

When you bounce a check — meaning you have written a check or checks for an amount totaling more than the balance on deposit — it will be returned as non-sufficient funds (NSF) and you will be assessed an NSF fee from USC Credit Union. You will likely be charged additional fees from the company to which you wrote the check.

What is an ABA number and what is USC Credit Union’s ABA number?

An ABA number, also known as the Routing and Transit number, uniquely identifies USC Credit Union and is used in check processing and transfers between financial institutions.

USC Credit Union’s ABA number is 322079557. This number can also be found on the bottom of your USC-issued checks and is the first of the first 9 digits listed.

Can I pay my bills online?

Yes. USC Credit Union offers Bill Pay, the fast, easy, free, secure way to receive, pay, and manage bills online. To sign up for Bill Pay, you must be registered for Home Banking.

Simply click on the Bill Pay tab and you will have immediate access to setting up your payees.

How is the payment made from the Bill Pay sent to my payee?

If a payee will accept electronic payments, your bills will be paid electronically. Payees who cannot accept payments electronically will receive a check through the mail.

Branch and ATM Information

Where are your ATMs located?

Numerous USC Credit Union ATMs are available for members to withdraw and deposit their funds.

University Park Campus:
King Hall Lobby*

Ronald Tutor Campus Center*
The Carol Little Building (Restricted Access)*

The Galen Center
USC Credit Union’s Flower Street Branch (3720 S. Flower Street, adjacent to the 110 Freeway)

Health Science Campus:

  • Seaver Residence Hall (fronting Seaver Cafeteria)*
  • USC University Hospital (located in the cafeteria)*
  • Soto Street Building

USC Verdugo Hill Hospital
Located in the cafeteria

USC Alhambra Campus:
Alhambra Campus (1000 S. Fremont Street, Alhambra)

* Deposit-Taking ATM

You can use your USC Credit Union debit/check card at any ATM where the following networks are accepted: CO-OP (surcharge-free), STAR, PLUS, Sirius, and Discover. Currently 30,000 CO-OP Network ATMs, are available which includes 6,000 deposit-taking and 5,500 7-Eleven locations throughout the U.S. and Canada.

USC Credit Union ATMs and CO-OP ATMs are surcharge-free, but you may be accessed a surcharge on other ATMs depending on the sponsoring institution. USC Credit Union may charge a fee for using certain types of ATMs depending on the type of checking account that you hold. To find an ATM near you, please use our ATM Locator.

Is USC Credit Union able to change my personal identification number (PIN) on my ATM/Debit Card?

Yes, every USC Credit Union branch has the ability to initiate a personal identification number (PIN) change.

To change your PIN, simply visit any one of our branches and we’ll help you make the change.

What transactions require me to visit a branch?
  • Purchasing Money Orders or Travelers Checks
  • Purchasing a Cashier’s Check payable to a third party
  • Notary Services

You don’t need to visit one of USC Credit Union’s branches to make a cash or check deposit.
You can use one of the CO-OP Network ATMs that has a deposit feature or use one of our Shared Branching credit union partners

How can I find a fee-free CO-OP ATM?
  • Search the CO-OP website at co-opatm.org.
  • Download the free app for your iPhone or Android phone.
    Links to the apps here: iPhone or Android
  • Text a street address or zip code or “City State” to 692667 (my coop) to find the closest CO-OP ATM locations.
  • Call 1-888-SITE-CO-OP (888-748-3266) to find a location by telephone.
How does USC Credit Union’s debit/check card fraud protection service work?

USC Credit Union’s fraud protection service is dedicated to monitoring activity on member’s card(s), to identify any suspicious activity, and to prevent unauthorized use.

The service works as follows:

  • The service has information about fraud that has occurred for other cardholders
  • The service learns your normal spending patterns
  • Based on a combination of this information, the service evaluates your transaction
  • If the transaction is considered risky, a fraud specialist will contact you to verify the transaction
  • If you confirm the transaction is legitimate, there is no impact
  • If you confirm that you did not authorize the transaction, that card is immediately blocked to stop more fraud from occurring
  • If the fraud specialist cannot reach you, a message will be left and your card may be temporarily blocked until you return the call

*If the Fraud Center leaves you a message, please contact the Fraud Center immediately:

  • 1 (888) 241-2440 (Toll-free within the United States)
  • 1 (909) 941-1034 (Outside the United States)

If your card is lost or stolen, or you notice suspicious activity, please call: (877) 670-5860.

Home Banking/Mobile Banking

I tried to access my Home Banking account and I was informed that it is frozen. Why is this?

USC Credit Union’s Home Banking system allows for three consecutive failed login attempts before it will freeze your account. This is for your protection to prevent password guessing. (If you follow proper password selection procedures, it is extremely unlikely that anyone can guess your password in four attempts.) Once your account is frozen, you must call us at (877) 670-5860. Once a successful login is completed or your password is reset by us, the counter is set back to zero.


If you have forgotten your password and you account is not yet locked, you can reset it by clicking Forgot Password.

Can I deposit a check via my phone?

Yes. Our mobile banking service includes a free downloadable app that is created especially for a smart phone. Whether you own an iPhone, iPad, or Android device, we’ve got you covered.

This free downloadable app provides all the services of the mobile Internet site, and allows you to:

  • Deposit checks
  • Pay bills
  • View transaction history up to 1 year

To download the app, you may visit the iTunes App Store, or the Google Play Store.

Credit & Debit

What are the annual fees and interest rates of the different credit cards offered by USC Credit Union?

Please click here for information on our credit card options.

Where do members access their credit card statements/payments due?

Statements are available through homebanking as well as through a notification link sent by email to members when their statement is ready to view.

Can I make a credit card payment over the phone?

Yes. USC Credit Union contact center (213-821-7100 or 877-670-5860) may take payments from any USC Credit Union share or draft account. Cardholders may also call our card servicer, PSCU, at 800-449-7728 and make payment by phone from any checking account.

Is a member charged a fee if they use their USCCU credit card out of the country?

No, all USC Credit Union cards (including our Platinum MasterCard, Platinum Rewards MasterCard, and Debit Card) do not charge foreign transaction fees on out-of-country transactions.

How can I reset my pin number for my debit card?

In order to change the PIN for your check card or ATM card, you need to come into your local USC Credit Union branch. The PIN needs to be encoded onto the magnetic strip on the back of your card. Simply visit any one of our branches and we’ll help you make the change.

What should I do if my debit/check card is misplaced or stolen and how much am I liable for?

Contact us immediately to report the card lost or stolen (877) 670-5860.

Your liability for the unauthorized use of your card will be no more than $50 if you notify us of the unauthorized use immediately. However, you will not be liable for any point-of-sale transactions, if:

  • You can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft
  • You have not reported to us two or more incidents of unauthorized use within the prior 12-month period
  • Your account is in good standing

The additional limitation on liability does not apply to PIN-based transactions or transactions not processed by MasterCard.

Is there a limit to how many times I can use my debit / check card on a daily basis?

There are no limits on the number of times you can use your debit/check card each day. However, there is a daily dollar limit based on the type of transaction(s).

  • ATM Daily Limit: $300.
  • Debit Card: PIN-Based Transaction Daily Limit: $350.
  • Debit Card: Signature-Based Transaction Daily Limit: $1,000.

EMV Chip Cards

What is an EMV chip card?
These cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted, making it more difficult for your account to be compromised. Although chip cards are relatively new in the U.S., they have been used in other countries for many years. In some countries, particularly in Europe, chip cards are the standard.
Do I have a chip card?
If you have a chip card, the chip is located on the front of the card. You will still have a magnetic stripe on the back so that you can use it at merchants who don’t accept chip cards yet.
How do I use my chip card?
During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card. These basic steps will help ensure successful transactions:
  1. Insert your card with the chip toward the terminal, facing up
  2. Follow the prompts on the terminal screen
  3. Provide your PIN or signature as prompted by the terminal. Some transactions may not require either
  4. When the terminal says the transaction is complete, you will be prompted to remove your card
  5. Remember to take your card
Why have we moved to this type of card?
Chip-enabled cards have been the standard in Europe and many other countries around the world and are becoming a new standard in the United States. The chip technology provides enhanced fraud protection, making it hard to duplicate. It also offers wider international acceptance, making it easier on those who frequently travel to continue using their regular cards for payments.
Does my new chip card have a PIN?
Yes. While your chip card comes with a pre-assigned PIN, we recommend that you personalize it by calling (888) 886-0083. Some retailers may require that you enter a PIN to complete your transaction, so you will want to set one for your new card so you can use the card at stores, ATMs, and while traveling overseas.
What do I do if I’m asked to enter a PIN?
If a merchant asks you to enter a PIN code, simply input your PIN into the keypad. You can personalize you PIN by calling (888) 886-0083.
Will my PIN number change?
If your previous chip card was reissued because it expired, your card number and PIN will remain the same. If your card was reissued due to fraud, loss or other compromise, your PIN will change. You can personalize your PIN again by calling (888) 886-0083.
Will anything change during my online purchases?
No. You will use your chip card for online purchases by following the same process you do today.
Can I use my chip-enabled card at the ATM?
Yes. You can still use your card to get cash, check your balance and more. Simply insert the chip end of your card with the chip facing up. Your card will now remain in the ATM until your transaction is complete.
Is there anything I should do before using my card abroad?

We recommend setting a PIN for your card if you plan on using it overseas. To personalize your PIN call (888) 886-0083.

Also, as an additional layer of security and to avoid having your account flagged or blocked due to unusual activity, we also suggest notifying us of your travel plans by filling out a travel notification form, by calling (877)-670-5860, or by sending us a secure message through home banking.

Is my Credit Card PIN the same as my Debit Card PIN?

No. Your Credit Card PIN is separate from your debit card PIN.



Credit Card PIN:You may call (888) 886-0083 to customize your credit card PIN.

Debit Card PIN:You may call us at (877) 670-5860, or visit a branch to change your PIN.

Statements

How can I see my past statements?

Through Home Banking, you can view transaction histories of any account.

You can also download data into personal financial software such as Quicken and Microsoft Money.

How are my checking or savings account statements delivered to me?

Depending on which account you hold, you may receive your statements at different times. If you hold a share/savings account only, you will receive your statements quarterly. If you hold a checking account, you will receive your statements monthly in the mail.

Statements are mailed by the 10th calendar day of each month.

You can choose to receive your statements electronically by signing up for E-Statements.

You will receive notification within four business days that your monthly statement is available for viewing through Home Banking.

You can access your current statements and previous statements (up to 18 months) securely online using your Home Banking login/authorization code.

To sign up to receive your statements electronically, please login to Home Banking and sign up for E-Statements.

How do I get my statements in PDF format?

Members sign up for eStatements on home banking, and then will have access to view statements. They are not currently available in PDF format.

Forms

Where can I find a list of forms that the credit union uses?

From account changes to credit card balance transfers and many other activities, here’s a comprehensive list of the forms USC Credit Union uses:

Requests, Forms & Applications

What form can I use to close my account?

Members may cancel their account by downloading the Closing Account Form and faxing it to (213) 821-7151 or emailing it to usccu@usccreditunion.org

Which forms do you send out for IRS Reporting purposes?

A list of forms that USCCU sends out for IRS reporting purposes can be viewed here.

Fees

What is the fee for _________ service?

USC Credit Union fees can be referenced in this Fees PDF.

Will I be charged a loan processing fee?

For most consumer loans, you will not be assessed a loan processing fee for a new loan application. However, if you would like to refinance an existing auto loan already with USC Credit Union, you will be assessed a $250 refinance processing fee.