Terms & Conditions

Refer-A-Friend Checking Account Offer


To make a referral, the Referrer (current USCCU member) must provide valid registration information including first and last name, complete mailing address, phone number, email address, and last 4 digits of their USCCU member number. Valid email addresses for their referred friends must also be provided. The Referrer must refer a friend that is eligible for membership. The Referrer will earn a $50 Mastercard® Reward Card for each friend referred (up to 10) to USCCU who opens a new USCCU checking account* and completes the requirements within the specified timeframe. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year. The Referrer must be an existing USCCU Member in good standing.

The Referred (friend) needs to register for the offer using the referral link or media shared by the Referrer, open a new USCCU Checking account*, and complete all program qualifications required. Only one $50 MasterCard® Reward Card will be issued to the referred person for opening a new USCCU checking account and completing the requirements. The Referred Person may refer others. In the event multiple Referrers refer the same person, only the first referral registration completed by the Referred Person will be used by the Program. The Referred Person acknowledges that a Reward Card will be issued to the Referrer after all Program qualifications have been met.


To earn a $50 Mastercard® Reward Card, the Referred Person must be referred by a USC Credit Union member, be eligible for membership, register for the offer using a referral link shared by the Referrer, open a new USC Credit Union Checking account* and complete the following requirements within 60 days of account opening

  • Must complete one (1) deposit of at least $250 or more to the new checking account, AND
  • Must complete twenty (20) debit card transactions (excluding ATM transactions), AND
  • Must enroll in eStatements


*USC Credit Union membership required in order to open a new USCCU Checking account. The Referred Person must qualify for USCCU membership and membership fee may apply; please call (877–670–5860) or visit www.USCcreditunion.org to confirm eligibility. Must be 18 years old or older. Must pass Chexsystems. Must open a new Checking account to earn reward. Cannot be combined with any other offer. If new membership is closed within the first 90 days, there is a $5 early membership closing fee. Must not have an existing USCCU Checking Account. Account must be opened and in good standing at the time of qualification to receive the Reward Card. USCCU employees and officials are eligible to refer their friends and family, but NOT eligible to earn the rewards cards. USCCU employees and officials must register for the program using their ‘@usccreditunion.org’ email address to qualify. USCCU employees’ friends and family must register for the program using the referral link and comply with the program requirements to earn the rewards card. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. USC Credit Union reserves the right to change or cancel the promotion without notice. Accounts are subject to all terms and conditions set forth in the current Account Agreement and Truth-­In-­Savings Disclosure. See Schedule of Fees. Other conditions may apply.


Each Reward Card amount may be reported to the Internal Revenue Service (IRS) on Form 1099. Recipient is responsible for any federal, state, and/or local taxes on reward items. USC Credit Union and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.


The Referrer authorizes the sending of communications to each Referred Person. The email may not be received if the person has “opted out” of marketing material from USC Credit Union or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or using the “opt out” link contained within the email.


Please allow 4 to 6 weeks for Reward Card delivery after completing all offer requirements. Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used.


Mastercard® is a registered trademark, not a participant or sponsor of this promotion.


Federally insured by NCUA. Equal Housing Lender.