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Checking
Trojans, your financial independence starts here.
Build credit, manage your expenses and get one step closer to the financial freedom you crave with a Student Checking account. Ours fits you, your budget and your USC campus life with lots of timesaving mobile features and free perks like:
- No monthly service charges1
- 2 free withdrawals per month at any non-shared ATMs2
- 2 free incoming wire transfers3
- Flexible ways to pay with debit card, Zelle®, and Virtual Wallet payments
- $0 liability on unauthorized purchases with your debit card
One-time lifetime membership fee of only $91
Checking for Trojans, by Trojans.
What’s the best bank checking account for students? The one that’s not from a bank. Join the USC Credit Union family. Open a Student Checking account online or on campus today.
I enjoy the customer service and the free student checking account.
Educational Resources
Students
Understanding Financial Aid Award Letters
You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.
Understanding Financial Aid Award Letters
Student Loans
Consolidation vs. Refinancing Student Loans
Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation.
Consolidation vs. Refinancing Student Loans
Student Loans
Student Loan eBook
Some college students graduate with honors. But a lot more graduate with debts. In this ebook we cover the lingo surrounding student loans, explain the importance of choosing the right lender, and how important it is to seek federal aid and scholarships first!
Student Loan eBook
Student Loans
Student Loan Refinance Guide
Don’t let student debt hold you back from the finer things in life. In this ebook we cover the pitfalls of student debt, explore if refinancing is right for you, show you how much you can potentially save, and more!
Student Loan Refinance Guide
Student Loans
Why Should You Refinance Student Loans with a Credit Union?
Student loans may have helped you get the education needed for your future career, but making student loan payments can also be a pain point in your monthly expenses. Refinancing one or more of your loans could save you money and simplify your repayment. Before you determine where you should refinance your student loans, you should consider if it’s a smart decision for you.
Why Should You Refinance Student Loans with a Credit Union?
Students
Tax Benefits for College Students and Parents
Did you know you can take advantage of special tax breaks just for college students and their parents? These benefits come in the form of tax credits and deductions when you file your income tax return. What’s the difference? A credit reduces the amount of income tax you have to pay. A deduction reduces the amount of your income that is taxed, which also typically lessens your tax bill. In other words, you could get a bigger tax refund.
Tax Benefits for College Students and Parents
1Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Must be a USC Student and at least 17 years old. Converts to Cardinal Checking 30 days after graduation or change in student status. 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.
2Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. Two free non-shared network ATM transactions per month with Student Checking, five free with Gold Checking, unlimited with Trojan Checking. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. View our Schedule of Fees for details on any fees you may incur.
32 free incoming wires annually by calendar year, January 1st, (combined domestic and foreign) with Student Checking. See Schedule of Fees for subsequent transactions.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.