Checking Account

Piedras Blancas Lighthouse

"No Nonsense" Checking - Simple and Free

Exceptional value with no minimum balance and without high overdraft or "bounce protection" fees.  Choose our most economical Scenic San Luis Obispo County checks.

  • Unlimited check writing with no per-check charges
  • No minimum balance to avoid fees
  • No monthly fees
  • Two low cost overdraft options
  • Balances of $2,500 or more earn dividends
  • Unlimited free SESLOC ATM transactions
  • Unlimited free point of sale transactions
  • Unlimited free withdrawals when you use your PIN and "cash back" option at merchants who offer this option, such as grocery stores
  • 8 free non-SESLOC ATM transactions each month*
  • Nationwide no-surcharge deposits and withdrawals at CO-OP ATMs - now at all 7-Eleven stores
  • Free online account access, e-statements, and bill payment
  • Low cost checks
  • Free ATM card
  • Free Visa check card with fraud monitoring

*Note: Some merchants and ATM owners may impose fees or surcharges. Read posted notices carefully to avoid these charges. Use our ATM locator service to find one of our 28,000 no-surcharge CO-OP ATMs near you or near your travel destination.

Members under age 18 need a parent as a signer on the account. (Parent's name need not appear on checks.)

Home Equity Line of Credit Checking

A checking account linked to your Home Equity Line of Credit (HELOC) provides convenient access to your available credit.

  • Provides a simple, convenient way to tap into funds.
  • Simplifies tracking funds advanced.
  • Checks are free.

Custom checks available, featuring 4 images from throughout San Luis Obispo County.


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NCUA LogoSavings 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.