CampusSpend Checking & Savings

^Disclosures

^{1. Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit USCCreditUnion.org to confirm eligibility. Must be a USC Student and at least 17 years old. Converts to FlexSpend 6 years after account opening. 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) CampusSpend account per Student ID Number. CampusSpend is not applicable to organizational or business entities and must be opened as a personal account. Accounts are subject to all terms and conditions set forth in the Account Agreement and Truth-In-Savings Disclosure and CampusSpend Disclosure.}

^{2. 2 free incoming wires annually by calendar year, starting January 1st and ending December 31st, (combined domestic and foreign) with CampusSpend. See Schedule of Fees for subsequent transactions.}

^{3.Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. Two free non-shared network ATM transactions per month with CampusSpend. 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.}

^{4. $1 deposit to open. Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. View current rates here.}

^{5. $3 monthly fee is assessed if the combined average in all savings, checking, money market, certificate and IRA accounts falls below $100 and account holder has no outstanding USC Credit Union loan balances. Fee waived if under age 25, one monthly $25 deposit occurs, maintain a $100 combined average balance in all deposit accounts, or have an outstanding balance on a consumer loan.}