--- title: Banking for USC Students | USC Credit Union description: Whether you're a freshman, transfer, or returning student, USC Credit Union is here to help you bank with confidence! --- [Skip to content](https://info.usccreditunion.org/usc-student#main-content) [![](https://info.usccreditunion.org/hs-fs/hubfs/USCCU_gold_logo.png?width=200&height=59&name=USCCU_gold_logo.png)Homepage](https://info.usccreditunion.org/usc-student) - [Home](https://info.usccreditunion.org/usc-student) - Banking for Trojans - [Checking & Savings](https://info.usccreditunion.org/checking-savings?hsLang=en-us) - [Student Rewards Mastercard](https://info.usccreditunion.org/student-mastercard?hsLang=en-us) - [In-School Student Loan](https://info.usccreditunion.org/in-school-student-loan?hsLang=en-us) - [Computer Loan](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/) - [Trojan Clash](https://info.usccreditunion.org/trojan-clash?hsLang=en-us) - Contact Us - [Branches & ATMs](https://info.usccreditunion.org/branches?hsLang=en-us) - [Wire Instructions](https://www.usccreditunion.org/access-services/transfer-pay/wire-services/) - [Schedule Appointment](https://appointments.usccreditunion.org/) - [Contact Us](https://www.usccreditunion.org/contact-us/) [Join USC Credit Union](https://join.usccreditunion.org/) - [Home](https://info.usccreditunion.org/usc-student) - Banking for Trojans - [Checking & Savings](https://info.usccreditunion.org/checking-savings?hsLang=en-us) - [Student Rewards Mastercard](https://info.usccreditunion.org/student-mastercard?hsLang=en-us) - [In-School Student Loan](https://info.usccreditunion.org/in-school-student-loan?hsLang=en-us) - [Computer Loan](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/) - [Trojan Clash](https://info.usccreditunion.org/trojan-clash?hsLang=en-us) - Contact Us - [Branches & ATMs](https://info.usccreditunion.org/branches?hsLang=en-us) - [Wire Instructions](https://www.usccreditunion.org/access-services/transfer-pay/wire-services/) - [Schedule Appointment](https://appointments.usccreditunion.org/) - [Contact Us](https://www.usccreditunion.org/contact-us/) [Join USC Credit Union](https://join.usccreditunion.org/) # USC Students Bank Here Whether you're a first-year, transfer, graduate, medical, or continuing student, USC Credit Union is here to support you with the banking products, services, and guidance to help you make the most of your time at USC.  [How to Get Started](https://info.usccreditunion.org/usc-student#start) [Join USC Credit Union](https://join.usccreditunion.org/) ![Student Banking (5)](https://info.usccreditunion.org/hubfs/2026/Landing%20Pages/Student%20Banking%20(5).png "Student Banking (5)") 16k USC Student Members 40k Faculty, Staff, & Alumni Members 50+ Years Serving the Trojan Family ![campusspend](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(7).png?width=779&height=599&name=Student%20Banking%20(7).png) ### CampusSpend Checking & Savings Begin your financial independence with CampusSpend - offering zero account fees1, 2 free incoming wire transfers2 per year, and convenient, 24/7 online and mobile banking. [Learn More](https://info.usccreditunion.org/checking-savings?hsLang=en-us) ![](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(8).png?width=779&height=599&name=Student%20Banking%20(8).png) ### Student Rewards Mastercard® Start building credit with the Student Rewards Mastercard®. Earn 2X points on fuel and groceries3, 1 point per dollar spent everywhere else, and redeem rewards for cash back, travel, and more! **Intro Offer: 0% APR**4 **+ $225 in Statement Credits** [Learn More](https://info.usccreditunion.org/student-mastercard?hsLang=en-us) ![Student Banking (10)](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(10).png?width=779&height=599&name=Student%20Banking%20(10).png) ### In-School Student Loans When scholarships, grants, and federal loans aren’t enough, USC Credit Union is here to help you bridge the gap. Apply once and access funds year after year for tuition, books, housing, technology, and more! [Learn More](https://info.usccreditunion.org/in-school-student-loan?hsLang=en-us) ![financial education](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(42).png?width=1363&height=1048&name=Student%20Banking%20(42).png) ### Free Financial Education Explore interactive courses, webinars, and events designed to help you navigate financial independence in college and beyond. Learn practical skills like budgeting, saving, building credit, managing student loans, investing, and planning for your future! Free account creation may be required to access some features. [Learn More](https://usccreditunion.kofetime.com/) ![Student Banking (6)](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(6).png?width=779&height=599&name=Student%20Banking%20(6).png) ### Campus Branches & ATMs USC Credit Union branches and ATMs are conveniently located on the University Park and Health Sciences campuses. Plus, enjoy access to over 40,000 ATMs and 5,000 shared branches5 nationwide.  [Learn More](https://info.usccreditunion.org/branches?hsLang=en-us) ## Getting Started with USC Credit Union [International student? Follow the steps here](https://info.usccreditunion.org/international-students?hsLang=en-us#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! [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 ### Download the App Once your membership is approved, set up online and mobile 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/) ## Becoming a Member at USC Credit Union Gabby will introduce you to USC Credit Union membership benefits, USC student-focused banking solutions, and resources to support your financial journey! [International student? Watch this video](https://info.usccreditunion.org/international-students?hsLang=en-us#video) Video player - gabby 2 - Click to play video ### Proud to Support the Trojan Family USC Credit Union is the Official Credit Union of USC Athletics and Premier Partner of the USC Alumni Association ![usc athletics interlock](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(21).png?width=300&height=300&name=Student%20Banking%20(21).png) ![usc alumni association](https://info.usccreditunion.org/hs-fs/hubfs/2026/Landing%20Pages/Student%20Banking%20(22).png?width=375&height=250&name=Student%20Banking%20(22).png) **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\. Fuel and grocery bonus points apply to the first $5,000 in purchases in these combined categories each year. 4\. APR (Annual Percentage Rate) is effective 10.20.2026 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases made during the qualifying transaction period within the first 180 days of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect for the first 6 billing cycle billing cycle after account opening, thereafter, the standard rate of 13.90% to 18.00% for purchases applies. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Rates and terms are subject to change without notice. [Click here for full disclosure](https://www.usccreditunion.org/student-rewards-cc-disclosure).   Statement Credits are applied in three installments: $100 after the first 3 consecutive months of on-time payments, $75 after the first 6 consecutive months of on-time payments, and $50 after the first 12 consecutive months of on-time payments. To qualify, you must: (1) make your first transaction within 90 days of account opening, (2) make the required consecutive on-time payments, and (3) complete a minimum of 10 transactions per month (excluding payments). If any payment is more than 10 days late, or if the monthly transaction requirement is not met, the account is disqualified for statement credits from that period forward. Account must remain open and in good standing to receive credits.  5\. Two free non-shared network ATM transactions per month with CampusSpend, five free with FlexSpend, unlimited with PremiumSpend. 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/wp-content/uploads/2023/01/fees.pdf) for details on ATM fees. [![](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) [Checking & Savings](https://info.usccreditunion.org/checking-savings?hsLang=en-us) [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/) [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/) ![NCUA\_Logo](https://info.usccreditunion.org/hs-fs/hubfs/NCUA_Logo.png?width=134&height=63&name=NCUA_Logo.png)![equal-housing-opportunity-logo-1200white](https://info.usccreditunion.org/hs-fs/hubfs/equal-housing-opportunity-logo-1200white.png?width=68&height=73&name=equal-housing-opportunity-logo-1200white.png) ABA Routing #322079557 APY = Annual Percentage Yield APR = Annual Percentage Rate © 2026 USC Credit Union. All rights reserved.