Apply Online or Find a branch on or near campuses (Village, University Park & Health Sciences) to get started. 

Use promo code: USC125

Not 18–25? No problem.
 Open a Cardinal Checking account instead and you’ll still qualify for the offer¹

Complete one of the requirements in step 2 within 60 days of opening your CampusSpend checking account to earn $125 checking bonus*.

$125 + a free T-shirt*? That's a Trojan win-win. Pick up your T-shirt* at any branch or get it when you open your CampusSpend checking account in-branch!

Official Credit Union of USC Athletics.

Official Credit Union of USC Athletics.

Disclosures:

Federally Insured by the NCUA 

*New Student Membership Promotional $125 Cash Bonus: Offer available to USC students registered for the 2025–2026 academic year who open membership between August 1, 2025, and August 31, 2025. Offer valid for new memberships only. Offer not available to existing USC Credit Union checking customers whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.

To qualify for the $125 bonus, you must:

1. Open a new CampusSpend Checking account or Cardinal Checking account during the promotional period using promo code USC125 at account opening (subject to membership eligibility; membership fee may apply. Visit www.USCcreditunion.org or call 1-877-670-5860 for eligibility details). Business checking accounts are not eligible.
2. Complete one of the following qualifying activities within 60 days of account opening:
   1. Receive one or more electronic direct deposit(s) totaling $500 or more. Qualifying direct deposits must be from an employer, pension, or government benefits provider (such as Social Security). Person-to-person payments (Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts) and micro-deposits (typically less than $1) do not qualify.
   2. Maintain a $1,500 average daily balance over any rolling 30-day period, starting from account opening.
   3. Make at least ten (10) debit card purchases of $10 or more.

If all requirements are met, the $125 cash bonus will be deposited into the checking account within 15 days of completing the qualifying activities. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer subject to change without notice. Offer valid for new checking accounts and cannot be combined with any other offers. All credit union programs, terms and conditions are subject to change without notice.

New Student Membership Promotional T-Shirt Offer: Offer valid for new USC Credit Union student memberships opened by September 6, 2025. Must meet eligibility requirements for USC Credit Union student membership; membership fee will apply. Please call (877) 670-5860 or visit www.USCCreditUnion.org to confirm eligibility. Promotional T-shirts are available while supplies last and are limited to one (1) T-shirt per new student membership. T-shirts have no cash value and may not be redeemed or exchanged for cash. Offer cannot be combined with any other promotions. All USC Credit Union programs, rates, terms, and conditions are subject to change without notice.

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.

²2 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.

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