Create an account for a business or an organization.

Business/Organization Account

Tax-advantaged savings for education. Tax-free earnings and withdrawals for qualified educational expenses.

Coverdell ESA

For non-US citizen members and UCU students

International Membership

Retirement account that enables you to delay paying taxes until the money is withdrawn.

Individual Retirement Account

Create a minor account with a joint owner.

Minor Account

Join University Credit Union as a member-owner.

Personal Membership

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

Trust Account

UCU Film Account

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 $500.

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

Is the minor a U.S. citizen or other U.S. person, including a resident alien individual?

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

We ask this question to comply with U.S. financial regulations. This information helps us verify your eligibility for certain account types and ensure we meet regulatory requirements.

Additional Information

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 University 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!

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 or Organization Located?

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.

Next, We'll Need Your EIN Documents!

Next, We'll Need Your Formation Documents!

Please upload documentation on your student organization detailing the people with authority to open an account and transact. All signers must be eligible for UCU.

Next, We'll Need Your Student Organization Documents!

Select business eligibility type

Share More About Your Business or Organization

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

Enter Additional Owner or Signer Details

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?

A DBA or "Doing Business As" is the name a company uses instead of its official name. Also known as a Fictitious Name, it's how a business presents itself to the world.
A DBA is commonly used for sole proprietorships when the owner’s name is not used.

Information on DBA Names

Let's Learn About Your Business or Organization

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

Now, Help Us Understand More About Your Monthly Transactions

Let’s Learn About Your Organization

Account Information

Company Documents

If you are applying for a business, please select a Core or Premier Business Checking Account. If you are applying as a student organization, please select the Organization Checking Account

Please Choose the Right Checking Account for You

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. Organizations must use EIN/Tax ID.

What Is Your Business or Organization Tax ID?

If you are student organization, please use your school email.

Now, Enter Your Email

Occupation

If no ownership applies, please enter "0."

Tell Us About Your Current Role

Is Your Company 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/Organization

List additional signers and beneficial owners with at least 25% ownership.

Signers and Owners

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

Earn 1.00% Annual Percentage Yield (APY) in dividends by opting in for eStatements and making 25 qualified transactions a month.

University Checking Account

The Smart Checking Account is the easiest way to bank with your brain! Set up direct deposit into your Smart Checking Account and earn an amazing 2.25% APY on your hard-earned money. Nothing could be easier, or smarter.

Smart Checking

Our Core Business Checking Account is the perfect account for businesses of all sizes to manage their money.

Core Business Checking Account

If you have a business with a high transaction volume and larger balances, and/or that have a need for treasury management services, our Premier Business Checking Account is right for you.

Premier Business Checking Account

Our Organization Checking Account is for student orgs only.

Organization Checking Account

Next, Add Your Checking Account

Select checking accounts based on your needs.

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?

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 University Credit Union.

Please enter your employment information below

What is your current status of employment?

Upload or take a photo of your minor’s ID document. This is optional.

And Lastly, Verify The Minor’s Identity

If the minor does not have an email address, please enter the email of the parent/guardian.

Please use the minor application type to complete your membership.

Minor Application is Required to Continue 

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

Select an eligibility type to get started with joining 

What is your employment title?

Job Title

Let's Confirm the Joint Owner's Eligibility

Confirm you are an active member.

Enter Your Membership Information

Select Minor’s Eligibility Type

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

UCU account number is optional.

Enter Family 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?

This Email Is Linked To An Existing Application Or Membership

What is the joint owner's email?

email?

What is the minor's email?

Who is your employer?

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.

Select your Employment Status

Please ensure date is in the format MM DD YYYY. Additionally, minor account holders must be under 18 years old.

Please ensure date is in the format {format}.

Error

We weren't able to scan your document

Your Session Has Timed Out

Use your foreign address. Do not use a P.O. box or in-care-of address.

Now, Enter Your Address From Your Home Country

If you have a Foreign Tax Identifying Number, enter it below. A Foreign TIN is issued by your home country to recognize you for tax purposes. This is optional.

What Is Your Foreign Tax Identifying Number?

We're sorry. Apple Pay is unavailable. Please enter your card credentials to continue.

Apple Pay is Unavailable

Apple Pay

You've reached your card deposit limit. Please use pay by bank to fund your account.

Card Limit Reached

Enter your card details. There is a {amount} total funding limit for cards.

Debit / Credit Card

Please provide cash/check to a teller after submitting your application.

Cash/Check

How To Make A Cash Or Check Deposit

We were unable to complete this transfer. Please try again or contact us if the issue persists.

We are not able to complete this transfer right now.

We're sorry. Google Pay is unavailable. Please enter your card credentials to continue.

Google Pay is Unavailable

Google Pay

We were unable to match your identity with the linked external bank account. Please attempt to link with a different account.

Bank With Your Brain!

Dedicated to giving our member-owners a financial advantage.