Business Banking

Build, operate, and grow with financial confidence

Team up with a credit union that loves to see your business thrive. At USC Credit Union, you’ll discover a partner dedicated to your success and a community eager to support your journey. Whether you’re a budding startup, a growing small business, or a local non-profit in the Los Angeles or Orange counties, we have the business solutions, tools, and resources to help you manage your daily finances and navigate your future.

^{Personal membership with USC Credit Union does not automatically qualify for a business membership. A separate application is required for business membership. View eligibility requirements.}

Grow your business with USC Credit Union:

Network of 30,000 shared branches and 5,000 ATMs nationwide
Open to businesses located in the Los Angeles or Orange counties
Free financial wellness resources for business owners
Comprehensive business coverage options for the unexpected
Workers’ Compensation plans
Small Business Retirement and Tax Planning

Business Savings

Grow your business savings.

The starter cushion account for every USC Credit Union business member to save for taxes, new investments, future projects, and unexpected expenses.

$10 minimum deposit to open (includes one-time $9 membership fee)¹
Earn dividends on balances of $1,000 or more

APY is accurate as of 12.21.2024

Rates as high as:

0.05%

View Rates

Business Money Market

High-interest account with easy access.

Get even more from your surplus cash. Business Money Market Accounts¹ offer the flexibility and growth your business needs to thrive.

$10,000 minimum initial deposit
6 free withdrawals per month*

APY is accurate as of 12.21.2024

Rates as high as:

4.00%

View Rates

Business Checking

Streamline your cash flow with just a $200 deposit.

Manage day-to-day operating expenses, payroll, and income with a business checking account³ that covers the essentials.

Free online and mobile banking, bill pay, budgeting tools, and more
100 free transactions per month at no-fee ATMs

Let’s Reach Your Business Goals!

Give us a call at (213) 821-7100, schedule an appointment, or fill out the form below and we’ll connect you with our business banking team!

Find the accounts for your business needs:

Compare Business Accounts
Features	Business Savings	Business Money Market	Business Checking
The right fit if you want to…	Earn dividends to accelerate growth (and a must-have for business membership)	Earn higher dividends from your surplus cash while maintaining liquidity	Manage day-to-day finances with ease
Minimum Opening Balance	$9 one-time membership fee + $1 initial deposit	$10,000	$200
Balance Requirement	$1,000 combined in business deposit accounts	$10,000 minimum daily balance	$2,500 minimum daily balance or $5,000 average daily balance
Monthly Service Charge	$5 if balance falls below requirement	$10 if balance falls below requirement	$10 if balance falls below requirement
Dividends	Paid quarterly	Higher dividends than a regular savings account	N/A
Free Online Banking	Yes	Yes	Yes
Free Transactions at USC Credit Union, Co-Op, Shared Network or Citibank (branch only) ATMs*	Yes	6 free withdrawals per month**	100 free transactions per month
Free ATM/Debit Card	Yes	Yes	Yes
Links to Open Accounts	Open Business Savings	Open Business Money Market	Open Business Checking

*Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. View our Schedule of Fees for details on any fees you may incur. **During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party.

Let’s chat.

Have questions about your business needs? Talk to a member-specialist to learn all the benefits business membership has to offer.

Quick responses, great service, constant communications to keep us informed, a fairness to small businesses. It is clear that big banks are not on the side of real small businesses. USCCU’s services exceedingly surpass those of Chase.

-JCIP, Inc.

A Trusted Neighbor
Our mission is to provide affordable products and services, financial guidance, and the resources to support our neighboring communities' economic well-being.
- Learn More – A Trusted Neighbor
Trojan Insurance
Life happens, and accidents do too. Cover yourself with insurance for vehicles, homes, businesses, and more through USC Credit Union’s Trojan Insurance Services.
- Learn More – Trojan Insurance
Credit Cards
No annual fees. No foreign transaction fees. More “yes” answers. Apply for a USC Credit Union Mastercard® credit card today.
- Learn More – Credit Cards
- Apply Now – Credit Cards

Educational Resources

Investments
High-Yield Business Savings Accounts: Consider a Credit Union!
Are you looking to make your business’s savings work harder? High-yield savings accounts (HYSA) and high-yield money market accounts (MMA) can help grow your business savings at a competitive interest rate. It’s just one way to beat inflation while growing your funds for the future.
Read Full Article
High-Yield Business Savings Accounts: Consider a Credit Union!
Credit Unions
Business Accounts at Credit Unions vs. Banks
Choosing the right financial partner for your business isn’t always easy. Many traditional banks come with high fees, rigid rules, and one-size-fits-all services that might not fit your business needs. Business credit unions, like USC Credit Union, shine by offering competitive business bank accounts that often have better terms and more flexibility than traditional banks!
Read Full Article
Business Accounts at Credit Unions vs. Banks

¹$5 monthly fee assessed if the combined average in all business savings, checking, and money market accounts falls below $1,000.

²Annual Percentage Yield (APY) is accurate as of 12.21.2024. Fees may reduce earnings. Must qualify for USC Credit Union membership, and membership fee may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. Must maintain a $10,000 daily balance to avoid the $10 monthly fee. All credit union account programs, rates, terms, and conditions are subject to change without notice.

³Must maintain a $2,500 minimum daily balance or $5,000 average daily balance to avoid the $10 monthly fee. See the Business Account Schedule of Fees for more details.

*During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party.