Build, operate, and grow your business with financial confidence. Business must be located in Los Angeles or Orange County.

Business Account

For non-US citizen members and USC students

International Membership

Create an account with an additional owner.

Joint Membership

For kids and teens up to age 17. Requires a joint owner 18 years of age or older.

Youth Account

Unlocks a lifetime of financial wellness.

Personal Membership

Keep your assets safe and manage them for the future with peace of mind.

Trust Account

USC Film Account

Select the length of your certificate from {min} to {max} months.

Choose Your Certificate Term

Our certificates are designed for flexibility and competitive earning potential, ensuring accessible and profitable savings options on your own terms. Minimum deposit starts at just $1,000.

After you submit your share certificate, you will need to fund your account by clicking "Make a deposit into your account".

You already have a pending request

You indicated you're a U.S. Person but previously selected you don't have an SSN. To meet U.S. regulatory requirements, please restart your application and include your SSN/ITIN.

SSN/ITIN Required for U.S. Persons

Just a Few More Questions

You have a few tasks left to complete your applications.

Additional Information Requests

Are you sure to cancel your automatic transfer?

Transfer Details

Set up one-time or automatic transfers between your USC Credit Union accounts.

Choose Transfer Frequency

How Much Would You Like To Transfer?

You can access and edit your transfers within Online Banking.

Review Your Transfer

Enter the details below for your beneficiary

Tell us your Beneficiary's Address

A beneficiary inherits an account's assets in the event the account owner passes away.

Tell Us Your Home Address

Let's Learn More About You

Please enter date of birth below. SSN is optional for beneficiaries.

And Lastly, Just a Few More Details

Your beneficiary will receive a link via email to enter their personal information.

Your beneficiary will receive an email link to enter their personal information. Please inform them that they should be expecting an email from us shortly.

Enter the Beneficiary's Email Address

Let's Learn More About Your Beneficiary!

You may add or update your beneficiary information at any time. If you'd like to designate an entity, multiple beneficiaries or need assistance, please 

Add a Beneficiary to Your HSA

Your beneficiary will receive an email link to provide their information.

A beneficiary inherits an account's assets in the event the account owner passes away. If you would like to add an entity as your beneficiary, please 

How Would You Like To Add A Beneficiary?

What Is Your Business's Mailing Address?

This must be a physical address where you conduct business and cannot be a PO box.

Where is Your Business Located?

Please select up to one control person.

Select Your Control Person

DBA Document

Please specify your DBA name and attach your DBA or any trade name documents.

DBA (Doing Business As) or an Official Name Change

Please upload documentation showing your EIN/TIN number issued by the IRS. This is optional.

Next, We'll Need Your EIN Documents!

Next, We'll Need Your Formation Documents!

Select business eligibility type

Share More About Your Business

To add a new signer, upload documentation showing they're authorized on this account (e.g. a resolution or signed authorization letter).

Upload Proof of Authorization

They will receive an email link to enter their personal information.

Enter Additional Owner or Signer Details

A corporate resolution authorizing this signer removal.

Edit Owner or Signer

Edit Owner or Signer Invite

Please upload documentation supporting this signer removal.

Upload Supporting Documentation

This signer will be removed from the application and will no longer be associated with this account.

Remove {name}?

The signer has been removed from your application.

Signer Removed

A resolution or letter signed by an existing owner authorizing this addition.

Manage the owners and authorized signers on your business membership.

Owners and Signers

Individuals with 25% stake in your company or more must be added. You may also add anyone who has control over your company’s finances (like a CFO).

{name} will receive an email link to enter their personal information. Please inform them that they should be expecting an email from us shortly.

You're All Set!

Would You Like to Add Another Owner or Signer?

Doing Business As: The name a business is “doing business as” other than the owner's name or legal business name is also referred to as a Fictitious Name.

Information on DBA Names

Let's Learn About Your Business

Now, What Is the Best Number to Reach Your Business?

Now, Help Us Understand More About Your Monthly Transactions

Let’s Learn About Your Organization

Account Information

Company Documents

Business information

Job title

Name

Owner/Signer {count}

Please take a moment to confirm the information in your application. We want to make sure everything is accurate and complete!

You're Crossing the Finish Line!

An EIN, or Employer Identification Number, is a special 9-digit ID for U.S. businesses, given out by the IRS. 
You can receive an Employer Identification Number (EIN) <link>from the IRS</link> within minutes. Resume your application once you’re ready- we saved your progress!

Have questions about an EIN?

If you are a sole proprietor and do not have an EIN, you may enter your Social Security Number.

What Is Your Business Tax ID?

Provide the email address where you can be reached at work.

Now, Enter Your Business Email

If no ownership applies, please enter "0."

Tell Us About Your Current Role

Is Your Business Any of the Following?

You must be able to make key decisions for the business as an owner, officer, or other authorized individual. 

About You

Tell us what your business is all about.

Business

Invite signers and beneficial owners with at least 25% ownership.

Owners/Signers

Double-check your details and documents.

Review

We'll walk you through these steps to get your account up and running:

Your Application at a Glance

You’ve successfully submitted your owner/signer application.

Success

Basic no-frills checking account with a minimum $25 opening balance required.

Cardinal Checking 

Checking account that earns you dividends with a low opening balance of $750. Enjoy five free transactions at non-USC Credit Union and Co-Op ATMs per month.

Gold Checking

High-yield premium checking, $2,500 minimum opening balance. Enjoy unlimited no-fee transactions at non-USC Credit Union ATMs and 3 free cashier's checks or money orders monthly.

Trojan Checking

Take the first step in becoming financially independent with a student account.

Student Checking

Banking made easy for students. Free checking to help you manage money with confidence. <link>Monthly Service Fee</link>: $0

CampusSpend Checking

Cardinal Checking

Full-service checking with a low opening balance of $25. Enjoy 5 free transactions at non-network ATMs per month. <link>Monthly Service Fee</link>: $4.95 or $0

FlexSpend Checking

High-value checking with competitive dividends, unlimited non-network ATM transactions, and low opening balance of $25. Plus, premium benefits supporting your financial goals, health, everyday discounts, and protection for life’s surprises. <link>Monthly Service Fee</link>: $8.95 or $0

PremiumSpend Checking

Simple, secure, stress-free. Everyday checking with just the basics. $10 opening deposit. <link>Monthly Service Fee</link>: $0

SimpleSpend

Manage day-to-day operating expenses and income with an account that covers the essentials. Streamline your cash flow with just a $200 minimum deposit. No monthly service charge with a $2,500 minimum daily checking balance or $5,000 average in combined accounts. Monthly Service Charge of $10 if below minimum balance.

Business Checking

Powerful checking for businesses with more complex cash flow and transaction needs. $1,000 opening deposit and 250 free transactions per month.

Business Advantage Checking

Basic Business Checking

Easy, everyday checking for businesses with lower transaction needs. Includes a $200 opening deposit and 150 free transactions per month.

Business Edge Checking

Let's Get Started!

Select checking accounts based on the child's needs.

You're Eligible for a Checking Account!

Select checking accounts based on your needs.

You're under 16, so a checking account has to be opened with a parent or joint owner. Choose {minorAccountName} to continue with checking, or skip checking to continue.

A parent or joint owner is needed for checking

Communication Consent

Courtesy Pay Terms and Conditions

Learn more about Courtesy Pay

You’ve successfully opted into Courtesy Pay.

Would You Like To Enroll in Courtesy Pay?

Your account is already set up with a debit card. If you're not seeing it, please contact support.

You already have a debit card

Only one debit card request is allowed at a time. Please return to request cards for additional checking accounts.

Your card should arrive in your mailbox within 7 to 10 business days.

Receive your card within 7-10 days by delivery.

We're sorry. We are unable to service you. If you believe you are receiving this message in error, please contact support.

Unfortunately, your application has been denied

We’ll need to confirm you are eligible for USC Credit Union.

Please enter your employment information below

What is your current status of employment?

What is the joint owner's current status of employment?

Upload or take a photo of one form of identification for the child. Accepted forms of ID may include a birth certificate, Social Security card, school ID, passport, or state-issued identification card. One form of identification is required to complete the application.

Verify the Child's ID

If the child does not have an email address or phone number, please enter the email or phone number of the joint owner.

Please use the minor application type to complete your membership.

Minor Application is Required to Continue

Upload or take a photo of your ID document.

Verify Your Identity

Choose the account that will receive your new direct deposits.

Let's Get Started

What is the custodian's date of birth?

What is

date of birth?

What is minor's date of birth?

Date of Birth (MM/DD/YYYY)

PDF, JPG, or PNG. Max file size 10MB.

Please upload your document

Please enter your business address below. Your business must have a physical address in Los Angeles County or Orange County.

Let's Learn More About Your Business

To help you get started, please let us know how you're eligible to join.

What is your employment title?

Job Title

Let's Confirm the Joint Owner's Eligibility

Let's Confirm the Child's Eligibility

What is your relationship to the sponsor?

We’ve emailed your sponsor member to provide their member number and confirm sponsorship of your application.

Your sponsor will receive an email to verify their USC Credit Union account.

Enter Sponsor Member Information

Current USC enrolled students

Let's Confirm Your Eligibility

Select joint owner's eligibility type

Select eligibility type

Now, Enter Your Email Address

What is the custodian's email?

Please use a different email address

This Email Is Linked To An Existing Application Or Membership

Please Log in to Add an Additional Account

What is the joint owner's email?

email?

What is the minor's email?

Check Your Email Address

Who is your employer?

Job title (e.g. Dentist, Designer, Mechanic)

What is your employment info?

What is your job title?

Please enter your joint owner's employment information. Include income from part-time jobs, if any.

What is the joint owner's employment info?

What is your joint owner's current status of employment?

Select Your Joint Owner's Employment Status

Please enter your joint owner’s total income from other sources. If none, enter $0.

Please enter your joint owner’s employment information below.

Select joint owner's employment status

Please enter your joint owner’s total income from other sources, including parental support, if any. Exclude financial aid, scholarships, and grants. If none, enter $0.

Previous Occupation

What is your source of funds?

Please enter your employment information. Include income from part-time jobs, if any.

Please enter your total income from other sources, including parental support, if any. Exclude financial aid, scholarships, and grants. If none, enter $0.

Please enter your total income from other sources. If none, enter $0.

Please enter your employment information below.

Please enter your source of funds and previous occupation.

Select your Employment Status

Am I Eligible?

You are eligible to join the USC Credit Union if you meet any of the criteria listed below. $1 deposit required to open and maintain membership.