As a new international student attending the University of Southern California, we’re proud to invite you to join the USC Credit Union.

Opening an Account

Can I open an account before I get to campus?

Yes, you can apply for student checking account online before you arrive in the U.S. Please visit the International Student page for more details.

What documents and forms do I need to open an account?

You will need Passport*, Driver License or other government issued ID, along with USC Student ID.

Note: For students who have not been issued a USC Student Card, please provide 10 digits USC student ID number included in your Admission Letter.

*Please include signed signature page.

How old do I have to be to open an account?

If you want to open an individual account you must be at least 17 years of age. If you are under 17 years old, you will need your parent or legal guardian to act as a joint account holder.

How do I make the opening deposit into the account?

There are four ways:

  • Checks*
  • Wire transfer funds to your account after your accounts are opened
  • Cash—you can deposit cash when you visit a branch to activate your account
  • Forex Card**

  • *Check holds may apply.

    **USCCU accepts Forex Cards. No fee required. Please refer to Forex regarding cash advance fees and note limits are controlled by issuing bank.

How soon can I access my money after I open an account?

After your application is submitted online, it will take 48 business hours to process the application. When your account is opened, you can access your account through our Online Banking website or mobile phone applications.

If you open an account at one of our branch locations, you will be issued a debit card on site.

Is there a limit on the amount of money I can access after opening my account?

$500 per day via ATM, and up to $2,500 per day w/debit card “signature” transactions. You may also request a temporary, 24-hour increase by calling our Contact Center at (877) 670-5860 or visiting one of our branch locations.

Can my parents join too?

Yes. After you join USCCU, your family can also join. Your parents need to provide government issued passport(s) and a signature that matches their respective passports.

What is the minimum deposit?
The required minimum deposit is $10 ($9 lifetime membership fee and $1 deposit to your savings account). You might be prompted to deposit $44, however you should disregard this instruction as your minimum deposit is only $10.
What’s the difference between a checking and savings account?

Savings Account

  • Earns interest

  • ATM access only

Checking Account

  • Day-to-day transactions

  • Debit/ATM Card

Receiving a Funds Transfer

How can my family internationally transfer funds to my account?

If your family is overseas, they can internationally transfer funds into your account by a wire transfer. They will need to provide their home bank with your account information, including name, account number, our address and SWIFT code.

What charges do I need to be aware of when receiving a wire transfer?
USC Credit Union will waive the first two incoming wire transfers per year for those with a Student Checking Account. Thereafter, fees will be in line with existing fee schedule.
My family has a bank account in the U.S., how can they transfer money to my account?

There are 5 ways your family can transfer money to your account from a U.S. account:

  • Online funds transfer via Online banking
  • Automated Clearing House (ACH) $1.00 fee if less than $250.00
  • Trojan Family Plan (USC Credit Union Parent Account to USC Student Account).
  • Set your account up as a Bill pay
  • One time transfer (Wire transfer).
What should I do if I haven’t received my wire yet?
Please refer back to the sending bank (your bank) on how long it will take for the wire to arrive. USCCU is not able to trace incoming wires. If the funds have not arrived in a timely manner, please ask your bank to place a tracer on the wire.


How to find your checking account number?

You can find your checking account number through online banking. Once you are signed in to online banking: Under Accounts, click on the checking account number, for example, the one that looks like xxxxxx1234. Once you click on it, it will show you the account number. Please note, this is not available on the mobile app.

Can I use ATMs other than USCCU’s?

Yes, 2 free per month. Other institutions may charge a fee.

Where are your offices located, and what are the branch hours?

We have four branches to serve you:

  • University Park Campus Branch: Tutor Center(STU106)
  • Flower Street Branch: 1st Floor 3720 S. Flower Street
  • Health Sciences Campus: Seaver Residence Hall (SRH), 1969 Zonal Ave, Suite 101B
  • Orange County Relationship Center: 2272 Michelson Drive, Suite 102

All are open Monday through Friday, from 9am to 5pm.

Will I have access to ATMs outside of Campus?

Yes, USC Credit Union members have access to over 30,000 free CO-OP ATMS nationwide, including ATMs in 7-Eleven Convenience Stores, Walgreens and Costco. You can also visit our USCCU Mobile App or our website to locate the nearest ATM or Shared Branch location.