USC Credit Union
USC Credit Union SimpleSpend, FlexSpend or PremiumSpend Checking $100 Bonus
USC Credit Union pays $100 when you open a new checking account with a debit card using promo code ALUMNI100 by December 31, 2026, sign up for e-statements, and within 60 days set up a direct deposit of at least $500 and make 10 electronic bill payments or 10 debit card purchases of $10 or more. Membership is open to USC alumni, students and staff, and to people in Los Angeles and Orange County, California.
- Bonus amount
- $100
- Expires
- Dec 31, 2026
- Time to complete
- ~60 days
- Paid after opening
- ~90 days
- Difficulty
- Easy
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Requirements
Last verified: Nov 8, 2026
Join and open checking with code ALUMNI100
Join USC Credit Union and open a new checking account with a debit card by December 31, 2026, using promo code ALUMNI100. Membership is for USC students, staff and alumni and for people who live, work, worship or attend school in Los Angeles or Orange County, California.
Sign up for e-statements
Enroll the new checking account in e-statements.
Direct deposit of at least $500 within 60 days
Set up a direct deposit of at least $500 to the new checking account within the first 60 days.
10 bill payments or 10 debit purchases of $10+ in 60 days
Within the first 60 days, make 10 electronic bill payments or 10 debit card purchases of $10 or more.
The terms give no payout date. Your account must be in good standing, with no negative balances or loan delinquencies, when the bonus is awarded.
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Account Details
- SimpleSpend has no monthly fee. FlexSpend is $4.95 a month and PremiumSpend $8.95 a month unless you meet their waiver conditions.
No early-closure clawback stated in the ALUMNI100 terms. A $5 early membership fee applies if the membership closes within 90 days.
Eligibility
Not available if you owned a USC Credit Union personal checking account in the last 12 months or closed one with a negative balance in the last 3 years.
- Membership: USC students, employees and alumni (anywhere), people who live, work, worship or attend school in Los Angeles or Orange County, California, partner-employer employees, or family and household members of a member.
- The promo page is headed as an offer for USC alumni; the bonus terms themselves do not limit it to alumni.
Tips & Gotchas
- Enter promo code ALUMNI100 during the application. The bonus is tied to the code.
- The offer page is labeled for USC alumni, but the bonus terms do not require it. Membership through Los Angeles or Orange County works too.
- Pick SimpleSpend if you want no monthly fee. FlexSpend and PremiumSpend carry monthly fees unless you meet their waivers.
- Keep the balance positive until the bonus posts. A negative balance at award time disqualifies you.
Can You Earn This Bonus Again?
Fine Print
Requirements for $100 Bonus: Must open a new checking account product with debit card by 12/31/2026; must sign up for e-statements; must make ten (10) electronic bill payments OR ten (10) debit card transactions of $10 or more AND establish direct deposit with a minimum $500 amount within the first sixty (60) days of account opening. Account must be in good standing at the time of award with no negative balances or loan delinquencies. Offer is available to members who have not owned a USC Credit Union personal checking account within the last twelve (12) months or closed with a negative balance within the last 3 years. Only one new checking account opening-related bonus per account. Offer may not be combined with any other promotion and may be canceled at any time without notice. The bonus may be reported on IRS Form 1099-INT.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
Do Bank Bonuses Show Up on a 1099-INT?
Yes. Bank bonuses are taxable income. Most banks report them on a 1099-INT once you earn $10 or more from that bank in a calendar year. Some report them on a 1099-MISC instead. Either way, you report the bonus as ordinary income on your tax return.
Also see: this month's best bank bonuses and community DD data points.
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