---
title: CampusSpend Checking & Savings
description: Every USC Credit Union member opens a regular savings account to establish membership. Pair it with CampusSpend checking designed for everyday spending.
---

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- [Home](https://info.usccreditunion.org/usc-student?hsLang=en-us)
- Banking for Trojans
  
    - [Checking & Savings](https://info.usccreditunion.org/checking-savings)
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    - [In-School Student Loan](https://info.usccreditunion.org/in-school-student-loan?hsLang=en-us)
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- Contact Us
  
    - [Branches & ATMs](https://info.usccreditunion.org/branches?hsLang=en-us)
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    - [Contact Us](https://www.usccreditunion.org/contact-us/)

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![CampusSpend\_V3](https://info.usccreditunion.org/hs-fs/hubfs/2025/Images/Landing%20Page%20Assets/Holiday%201,000%20Cha-Ching/Icons/CampusSpend_V3.png?width=70&height=70&name=CampusSpend_V3.png "CampusSpend_V3")

# CampusSpend Checking & Savings

Every USC Credit Union member opens a regular savings account to establish membership. Pair it with CampusSpend checking designed for everyday spending.

[Open Your Accounts](https://join.usccreditunion.org/)

![Student Banking (12)](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(12).png?width=550&height=605&name=Student%20Banking%20(12).png "Student Banking (12)")

---

![campusspend checking](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(48).png?width=413&height=413&name=Student%20Banking%20(48).png "campusspend checking")

## CampusSpend Checking

Free student checking account designed to help kickstart your financial independence. No minimum opening deposit required.

## Checking Designed for Student Life

### No monthly fee¹

### 2 free incoming wire transfers²

Domestic or international

### 2 free non-network ATM transactions³

### Tommy Trojan Mastercard® Debit Card

### Convenient campus branches

### Digital banking w/ Zelle®

### Free for all students

Converts to FlexSpend 6 years after account opening

### Free access to Citibank ATMs³, 32,000+ CO-OP ATMs, and 5,000+ CO-OP Shared Branches

---

![regular savings](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(49).png?width=413&height=413&name=Student%20Banking%20(49).png "regular savings")

## Regular Savings

- $1 minimum deposit
- Earns interest on balances over $25⁴
- Free account until age 25⁵ - after that, just maintain $100 across your deposit accounts

*$1 deposit required within 45 days of membership opening*

## How to Open CampusSpend Checking & Savings

[**International student? Follow the steps here \>**](https://info.usccreditunion.org/international-students#start)

### Apply for Membership

Complete your application [online](https://join.usccreditunion.org/) or visit a [branch](https://info.usccreditunion.org/branches?hsLang=en-us) while you're on campus for Welcome Trojans Orientation, move-in day, or your return to campus!<https://info.usccreditunion.org/international-students#start>

[Plan Your Visit](https://info.usccreditunion.org/branches?hsLang=en-us)

### What You’ll Need

1\. USC ID number and USC email  
2\. Social Security Number  
3\. Government-issued ID<https://play.google.com/store/apps/details?id=com.usccu.usccu>

### Download the App

Once your membership is approved, set up digital banking through the [mobile app](https://qrco.de/bg60bC) or at [usccreditunion.org](https://www.usccreditunion.org/).  
[![app store banner](https://info.usccreditunion.org/hs-fs/hubfs/appstore-png.png?width=245&height=67&name=appstore-png.png)](https://apps.apple.com/us/app/usc-credit-union-mobile/id435099410?platform=iphone)  
[![google play banner](https://info.usccreditunion.org/hs-fs/hubfs/google-png.png?width=245&height=67&name=google-png.png)](https://play.google.com/store/apps/details?id=com.usccu.usccu)

### Start Banking

Order and add your [debit card](https://www.usccreditunion.org/checking-accounts/debit-atm-cards/) to your mobile wallet. Make your first deposit to get ready for campus life!  
[![](https://info.usccreditunion.org/hs-fs/hubfs/Student%20Banking%20(17)-png.png?width=220&height=180&name=Student%20Banking%20(17)-png.png)](https://www.usccreditunion.org/checking-accounts/debit-atm-cards/)

![CampusSpend\_V3](https://info.usccreditunion.org/hs-fs/hubfs/2025/Images/Landing%20Page%20Assets/Holiday%201,000%20Cha-Ching/Icons/CampusSpend_V3.png?width=450&height=450&name=CampusSpend_V3.png)

## Open Your USC Credit Union CampusSpend Checking + Savings account today!

[Get Started](https://join.usccreditunion.org/)

**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](https://www.usccreditunion.org/wp-content/uploads/Account-Agreement-and-TIS.pdf).

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](https://www.usccreditunion.org/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](https://www.usccreditunion.org/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](https://www.usccreditunion.org/savings-and-certificates/regular-share-savings/).

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.

[![](https://info.usccreditunion.org/hs-fs/hubfs/USCCU_gold_logo.png?width=200&height=59&name=USCCU_gold_logo.png)](https://www.usccreditunion.org/)

**NAVIGATION**

[Home](https://info.usccreditunion.org/usc-student?hsLang=en-us)  
[Checking & Savings](https://info.usccreditunion.org/checking-savings)  
[Student Rewards Mastercard](https://info.usccreditunion.org/student-mastercard?hsLang=en-us)  
[In-School Student Loans](https://info.usccreditunion.org/in-school-student-loan?hsLang=en-us)  
[Computer Loans](https://info.usccreditunion.org/computer-loan?hsLang=en-us)[International Students](https://info.usccreditunion.org/international-students?hsLang=en-us)  
[Parents & Family](https://info.usccreditunion.org/parents-and-family?hsLang=en-us)  
[Financial Education](https://usccreditunion.kofetime.com/)<https://usccreditunion.kofetime.com/>  
[Student Giveaway](https://info.usccreditunion.org/trojan-giveaway?hsLang=en-us)

[**CONTACT US \>**](https://www.usccreditunion.org/contact-us/)

**[BRANCH LOCATIONS \>](https://info.usccreditunion.org/branches?hsLang=en-us)

[SCHEDULE AN APPOINTMENT \>](https://appointments.usccreditunion.org/)**

**[WIRE INSTRUCTIONS \>](https://www.usccreditunion.org/access-services/transfer-pay/wire-services/)

[FAQs \>](https://usccreditunion.zendesk.com/hc/en-us)**

---

This webpage is managed by USC Credit Union for USC students. Visit [USCcreditunion.org](https://www.usccreditunion.org/) for the full website and additional services. 

 

[Fees](https://www.usccreditunion.org/wp-content/uploads/2023/01/fees.pdf) | [Rates](https://www.usccreditunion.org/rates/) | [Privacy Policy](https://www.usccreditunion.org/wp-content/uploads/USCCU_Online-Privacy-Policy.pdf) | [Terms of Use](https://www.usccreditunion.org/terms-of-use/) | [Title VI](https://www.usccreditunion.org/title-vi/)

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APY = Annual Percentage Yield  
APR = Annual Percentage Rate

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