USC Credit Union Mobile Branch：在 App Store 上的内容
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USC Credit Union Mobile Branch
开发商：USC Credit Union
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USC Credit Union’s Mobile Branch application allows you to conduct your banking transactions whenever and wherever you want. Check balances, transfer funds, pay loans, and even deposit checks all on the go!Features:- Check balances- View & search transaction history- Deposit checks- Sign in with Touch ID*- Transfer funds, including from your linked accounts at other institutions- Send money to other members instantly- Pay loans- Locate USC Credit Union ATMs and Branches- Locate COOP ATMs & Credit Union Service Centers* On supported devices, enable this feature under the Profile menu.Mobile Banking only available to USC Credit Union Online Banking participants. Visit https://www.usccreditunion.org/ for further details.
版本 4.3.0 中的新功能
- Camera improvements
用户购买的还有
此 App 专为 iPhone 和 iPad 设计免费类别: 版本: 4.3.0大小： 6.1 MB语言: 英语开发商: USC Credit Union兼容性： 需要 iOS 8.0 或更高版本。与 iPhone、iPad 和 iPod touch 兼容。
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京公网安备 50 备What is a Credit Union? | World Council of Credit Unions
Credit unions, called by various names around the world, are member-owned, not-for-profit financial cooperatives that provide savings, credit and other financial services to their members. Credit union membership is based on a common bond, a linkage shared by savers and borrowers who belong to a specific community, organization, religion or place of employment. Credit unions pool their members' savings deposits and shares to finance their own loan portfolios rather than rely on outside capital. Members benefit from higher returns on savings, lower rates on loans and fewer fees on average.
Credit unions worldwide offer members from all walks of life much more than financial services. They provide members the chance to own their own financial institution and help them create opportunities such as starting small businesses, growing farms, building family homes and educating their children.
Regardless of account size in the credit union, each member may run for
the volunteer board of directors and cast a vote in elections.
In some countries, members encounter their first taste of democratic decision making through their credit unions.
Credit Unions vs. Other Financial Institutions
Credit Unions
Commercial Banks
Other Microfinance Institutions (MFIs)
Not-for-profit, member-owned financial cooperatives funded largely by voluntary member deposits
For-profit institutions owned by stockholders
Institutions typically funded by external loans, grants and/or investors
Members share a common bond, such as where they live, work or worship. Service to the poor is blended with service to a broader spectrum of the population, which allows credit unions to offer competitive rates and fees.
Typically serve middle-to-high income clients. No restrictions on clientele.
Target low-income members/clients, mostly women, who belong to the same community.
Governance
Credit union members elect a volunteer board of directors from their membership. Members each have one vote in board elections, regardless of their amount of savings or shares in the credit union.
Stockholders vote for a paid board of directors who may not be from the community or use the bank's services. Votes are weighted based on the amount of stock owned.
Institutions are run by an appointed board of directors or salaried staff.
Net income is applied to lower interest on loans, higher interest on savings or new product and service development.
Stockholders receive a pro-rata share of profits.
Net income builds reserves or is divided among investors.
Products & Services
Full range of financial services, primarily savings, credit, remittances and insurance.
Full range of financial services, including investment opportunities.
Focus on microcredit. Some MFIs offer savings products and remittance services.
Service Delivery
Main office, shared branching, ATMs, POS devices, PDAs, cell phones, Internet
Main office, shared branching, ATMs, POS devices, PDAs, cell phones, Internet
Regular visits to the community group
Relevant Links
Find a Credit Union
The Difference between Banks and Credit Unions (videos)
Common Wealth Credit Union, Young & Free Initiative北美留学应该办理什么银行卡－USC为例_U_S_Study_新浪博客
北美留学应该办理什么银行卡－USC为例
对于刚刚来到美国的同学们，首先要考虑的一件事就是办理银行卡，可能会有同学说，这件事什么好谈的呢，美国大型商业银行就那么几家，随便办一张就是了。其实不然，这里面还是有很多门道的，办理的不对，至少损失三四五百美金哦，损失是$500+美金哦！
如果你只想看结论的话，那么就写在前面，对于USC的学生，最好的一个办理路线是​：先办理学校的Credit
Union的银行卡，等到找到工作后办理Chase的银行卡。如果要跨行转账，请使用一个叫做，吃饭付款AA制，相互转账非常方便。
理由如下：
一般来说，同学们来美后可以选择的大型商业银行无非就是Chase，BOA，Citi等。但稍微咨询一下学长们就知道以上几家银行的区别。其中最靠谱、全面评价最高，服务最好，效率最高的还是chase银行。但为什么不建议一来美国就办理chase呢？因为chase上有一个开户的bonus计划，开户送钱，有时候100，有时候200，有时候400，有时候500。（据说有人拿到过800刀）。但有一个条件是，需要有Direct
Deposit，什么是direct deposit呢？这个你可以理解成“工资卡”。就是每月按时由公司payroll把钱直接打到你的卡上一种办法。如果你没有在美国的工作的话，就没有办法领这个奖励，而你一旦开过户，那么就很难享受这个bonus了。所以，建议毕业后找到工作并且拿到SSN再考虑办理chase。
那么一开始不办chase的话，办理什么卡呢？BOA么？用过BOA的都知道，银行要求最低有$1500刀的余额在checking
account，$300刀在saving
account，也就是说，至少要有超过1万人民币被冻结在账户里不能使用，因为一旦低于这个余额，就需要每个月交账户管理费。所以这样看来，如果毕业后直接回国，那么这些钱要到回国销户时才能取出来；如果毕业后找到工作，就去办chase了，​​谁还用BOA啊。所以怎么着都不划算办理BOA。
下面重点介绍USC Credit
​​美国银行体系跟中国很不一样，不想中国被几大国有银行垄断的局面，美国实际上有超过3000家的商业银行。而credit
union，一般翻译成信用合作社，虽然在中国处于很low的地位，（一般农村见到的比较多），但在美国还是很常见的银行类型。USC
union就是为USC的工作人员和学生、校友以及周边社区居民建立的银行。学生可以在这里免费开户，使用其设立在学校的服务，非常方便。
而且与大型商业银行的高要求相比，Credit
Union非常适合学生使用。
●​如果有人refer开户，双方都可获得$50刀的开户奖励。​（refercode:&RFAU32E2）(已截止）
​●较高的存款利率
●账户最低存款限额$1
●Free Student Checking Account
免费学生支票账户
●免月服务费
●无账户最低金额限制
●每年两笔免费国际汇入汇款手续费
●较低的国际汇入汇款手续费 $10/笔
●跨行ATM手续费返还
（每月最高$10）
●免费120张支票
●免费试用全美境内三万台CO-OP ATM
（包括7-Eleven便利商店内的ATM）
开户流程如下：
1、，点击open now
https://www.usccreditunion.org/product-landing/checking/​​
2、填写个人信息，需要等到有USCID​后方可申请。在promotional
code填写推荐码，获得$50刀奖励。（code：&RFAU32E2​）
第一条选择international
student，preferred branch可以选​online或者
3、​​​​​按下图填写信息
4、​​
​9、
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