Choose Your Checking Account
Choose Your Checking Account
You’re one of a kind.
Your checking account should be, too.
Both accounts we offer are affordable with no minimum balance requirement, and no monthly maintenance fee.
HomeFREE or Basic Checking?
Basic Checking
HomeFREE Checking
Top exclusive features:
Basic Checking
NO FEES for overdrafts, non-sufficient funds or cashier's checks.
HomeFREE Checking
Earn SESLOC Reward points with purchases and get Identity Theft Recovery & Mobile Phone Coverage, programs which are worth hundreds of dollars per year.
It's ideal for:
Basic Checking
First-time account holders, students or teens aged 13+, those who want guardrails from overdraft fees, and anyone wanting a fresh start managing your money via a bank account.
HomeFREE Checking
Those who make frequent debit card purchases and wants peace of mind from identity theft. It's also great for Cal Poly students.
What rewards and benefits do I get?
Earn Bonus Rewards Points at Participating Local Businesses
Learn More
Basic Checking
HomeFREE Checking
Choose from two card designs, one option features the Cal Poly logo
Basic Checking
HomeFREE Checking
Start your journey with SESLOC.
ITINs accepted.
Start your journey with SESLOC.
ITINs accepted.
See tips for how to Join, visit any branch, or call us at (805) 543-1816.
Current members may open this account in Online Banking.
What does the account cost?
Select fees are are waived for each checking account.
Minimum Balance Requirement
Basic Checking
None
HomeFREE Checking
None
Monthly Maintenance Fee
Basic Checking
None
HomeFREE Checking
None
Non-sufficient Funds (NSF) Fees
Basic Checking
None
HomeFREE Checking
Fees apply, see
Consumer Fee Schedule
Monthly Statements
Basic Checking
$2.00 per paper statement, none if enrolled in eStatements
HomeFREE Checking
None
How quick and easy is it to manage my account and access my money?
Super easy! Our digital and remote banking tools have everything you need to manage your account at home or on the go.
- Surcharge-free ATM Transactions at SESLOC and CO-OP ATMs, which includes 55 local and 30,000+ nationwide.
- Get a Basic Checking or HomeFREE Checking debit card issued same day in any branch. Or, if you’re applying online, one will be mailed to you.
- Free Online Banking and SESLOC Mobile App, with Mobile Check Deposit, Bill Pay, Card Controls, Travel Notifications and more.
- Access to Direct Deposit Funds a Day Early.²
- In real time fraud alerts via text message, courtesy of Visa’s® complimentary Debit Card Fraud Monitoring service.
- Digital Wallet Compatible with Apple, Google and Samsung Pay
- Access to personal money management and financial wellness tools in Online Banking, including Credit Score by Savvy Money, Spend Forecast & Analysis, Budget Tracker, and Financial Health Checkup
Start your journey with SESLOC.
ITINs accepted.
Start your journey with SESLOC.
ITINs accepted.
See tips for how to Join, visit any branch, or call us at (805) 543-1816.
Current members may open this account in Online Banking.
Membership Benefits³
As a SESLOC member, you also have access to:
- Tools to improve your financial IQ – Free seminars, how-tos, calculators and budgeting tools
- Shred Days – Get your confidential documents shredded for free throughout the year.
- TruStage Insurance – Get discounted rates on TruStage Insurance products, including auto, home, life, AD&D and heath insurance.
- Deals and specials – We offer loan specials, events and giveaways throughout the year. Check our News and Events page for the latest promotions.
PEOPLE ARE MORE IMPORTANT THAN PROFITS
New to credit unions? Learn more about our philosophy and how your money stays local.
PEOPLE ARE MORE IMPORTANT THAN PROFITS
New to credit unions? Learn more about our philosophy and how your money stays local.
1. Basic Checking is not eligible for Courtesy Pay Service or SESLOC Rewards Program for debit cards. Basic Checking incurs a $2.00 monthly fee for paper statements. Refer to the Basic Checking Truth in Savings Disclosure for more information.
2. Early access to direct deposit funds subject to employer and/or payer terms and conditions. SESLOC Credit Union (“Credit Union”) generally makes these funds available on the day the payment file is received, which may be up to one (1) day earlier than the scheduled payment date. The Credit Union cannot guarantee early access of a direct deposit payment. Other exceptions may apply.
3. Everyday Member Benefits are available to Credit Union members in accordance with disclosures and agreements between the Credit Union and the Consumer Member, including but not limited to the Member Application, the Member Account Agreement and Disclosure, Truth-in-Savings disclosures, all Fee Schedules, Rate Sheets and other account agreements and disclosures. For benefits including but not limited to Identity Theft Recovery + Mobile Phone Insurance, SESLOC Rewards, SESLOC Shred Days, EasyPay, insurance products through TruStage® Insurance Agency, LLC, and financial counseling through GreenPath, Inc., refer to their individual Terms and Conditions disclosures located on www.sesloc.org or visit a SESLOC branch for more details regarding benefit terms, conditions, limits, restrictions and eligibility that apply. Some services require primary consumer member to agree to separate terms and conditions. Insurance offered through TruStage® Insurance Agency, LLC is a not a deposit and is not federally insured. The insurance coverage offered through TruStage® is not sold or guaranteed by the Credit Union.
“Great alternative to big corporate banks that profess to also be “people” but don’t remind you of any person that evercared about you in the least.”
SHAWN BOSTROM
Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
