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Payments and Transfers
4 ways to move your money
- Learn More about payment and transfers
- Compare Pay & Transfer Options Compare Pay & Transfer Options
Different money moves call for different transfer and payment methods. As a USC Credit Union member, you have four options to choose from, all fast and as simple as it gets. The choice comes down to the best fit for the transaction or your personal preference – or, in some cases, both.
Four options to choose from:
- Online Bill Pay
- Zelle®
- Wire Services
- Internal & External Transfers
Rent, mortgage, loans, the monthly cell phone bill – it’s a lot to keep track of. Set it and forget it with USC Credit Union’s free Online Bill Pay. Sign up today and start paying your monthly or individual bills online by the next business day.
Send and receive money with friends and family using Zelle®.1 Zelle® is already available in the USC Credit Union Mobile Banking app, and it’s easy to sign up. Just log in, tap “More”, select “Zelle®” under “Transactions”, and accept the terms and conditions.2 For more information about Zelle,® including how to get started, please read our FAQ.
Need to move money to an account at another bank? USC Credit Union’s wire services let you wire funds into or out of your account, across the state or the world. Wire services are the way to go for large payments that need same-day processing.
Transfer money between USC Credit Union accounts or your other Financial Institutions via ACH. Create a one-time, recurring or future-dated transfer from your savings or checking account without the need for checks, wire transfers or credit cards.
Compare Payment and Transfer Options
| Payment Service | Online Bill Pay Never miss a due date | Internal Transfers Move money between USC Credit Union accounts | External Transfers Transfer money to your account at another financial institution | Wire Services Send or receive money securely to U.S. or foreign financial institutions
| Zelle® Move money in minutes1 |
|---|---|---|---|---|---|
| The right service for… | Setting up automatic payments for your recurring bills; rent/mortgage, utilities, cell phone, etc. | Transferring money from your USC Credit Union account to your or another members USC Credit Union account. | Using external transfers to move money between your USC Credit Union account to your accounts at other financial institutions (ACH transfer). | Sending or receiving electronic wire funds transfers, across the country or the world. Wire transfers may come with fees so they’re best for large payments that need timely processing. | Using just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1,3. |
| How to Set-Up | For initial payee setup, log in to online banking via desktop. Click on the Bill Pay widget. Set-up your payments. | Log in to online or mobile banking. Click on Transfers widget. Set-up your transfer. | Log in to online or mobile banking. Click on Transfers widget. Set-up your transfer. | Review instructions here for receiving a domestic or international wire, or sending a wire. | Log in to mobile banking. Tap More. Select the Zelle® widget and accept the terms and conditions2,3. |
| Funds Availability | Same-day option (before 2:59pm) or schedule a payment date. Business days only. | Immediately | External transfers made before 2:00pm PST, Monday-Friday will be available on the 4th business day. | For incoming wires – processed daily*, posted by 4:00pm (*Monday-Friday). For outgoing wires – dependent on financial institution receiving wire. | Within minutes3 |
| Fees | None | None | None | View our Schedule of Fees here. | None |
1If you already have Zelle with another financial institution, you will either need to transfer it to USC Credit Union or use an alternate number or email address.
2When using Zelle®, only send money to those you trust. If the recipient is already enrolled with Zelle®, you can’t cancel a payment once it’s been sent. Neither USC Credit Union nor Zelle® offers a protection program for authorized payments made with Zelle®, like any instance where you don’t receive the item you paid for or the item is not as described or as you expected. If you’re asked to send yourself money with Zelle® or to provide your Zelle® credentials, don’t click on text message links or call the number that contacted you. Do not share your Zelle® and any other passwords with anyone.
3U.S. checking account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
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1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
2Please refer to Online Banking for the full terms and conditions. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
When using Zelle®, only send money to those you trust. If the recipient is already enrolled with Zelle®, you can’t cancel a payment once it’s been sent. Neither USC Credit Union nor Zelle® offers a protection program for authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected. If you are asked to send yourself money with Zelle® or are asked to provide your Zelle® credentials, don’t click on text message links or call the number that contacted you. Do not share your Zelle® and any other passwords with anyone.