Break free from your bank with HomeFREE Checking

If you haven't thought about breaking up with your bank,
maybe you should.

Your checking account may claim to be "free." It may also include standard features, like online access and bill pay services. But with HomeFREE Checking, you get more. A lot more. Here are the top 17 reasons to be HomeFREE:

17. You get free checking, with no monthly fee and no minimum balance. Seriously.

Other checking accounts are only free if you choose direct deposit, if you're only banking online, or keep a hefty minimum balance in your account. HomeFREE keeps it simple. Free means free. No asterisk required.

16. You get rewards points with your debit card purchases.

That daily latte? You just earned points. That grocery store run? You just earned points. With 1 point for every $2 spent, earnings from everyday transactions really add up. A $25 gift card is just 3,500 points. Take a test drive at to uncover other reward options, like flights, local concert tickets and merchandise.


Travel rewards, like flights and cruises

15. You get free Identity Theft Services. Yes, we said FREE.

HomeFREE Checking includes coverage for all types of identity fraud, a service that is worth hundreds of dollars per year.1 You can also activate credit monitoring and dark web monitoring.2 What is the dark web? Let's just say you don't want your personal data floating around that place. When it comes to identity theft protection, it's better to have it and not need it, than to need it and not have it. 

14. You get more access to fee-free ATMs.

ATM fees can be ridiculous. With HomeFREE, you can avoid them. You might choose a big bank to ensure there's an ATM wherever you go, but SESLOC is part of the CO-OP ATM network. That means access to more than 50 fee-free ATMs on the Central Coast and nearly 30,000 fee-free nationwide. Most people haven't been to 5,000 places let alone 30,000. Trust us, you're covered.

13. You get a little help from time to time with Overdraft Protection and Courtesy Pay.

Accidently overspent on dinner last night? Forgot about that Netflix auto-pay? No worries. We'll automatically transfer funds if your HomeFREE Checking account balance is insufficient to cover checks, electronic debits, debit card purchases, or payments with these helpful services.3

Bonus Points with SESLOC Rewards on mobile phone

12. You get bonus points when you shop local.

You can literally earn additional points at select local businesses and figuratively earn bonus points by supporting your community. It's a win-win! Some local merchants offer as much as 10x in points, so you can rack up bonus points and feel good about keeping your money local.

11. You get a monthly Identity Health check-up.

When you activate your Identity Theft Services credit monitoring3 (which is free by the way - see reason #15), you'll receive a monthly email with your Identity Health Status. In addition, you'll get alerts in real-time of suspicious activity, so you can help prevent fraud before it happens. Identity health? We got you covered. Drinking kale shakes, running marathons and taking yoga classes? That's on you.

10. You can still get a free toaster.

Banks used to offer free toasters if you opened a checking account. With HomeFREE, you can redeem rewards points for gift cards, sporting goods, vacation getaways and more. If you really want a toaster, you can still get that too, but check out your options. We think you might find something better than toast when you browse the selection.

9. You get a debit card the day you open an account at the branch.

Forget waiting 7-10 business days. You can start spending and earning points right away with an instant-issue SESLOC debit card. If you want it mailed to you, we can do that too. 

Central Coast scenic

8. You get this beautiful picture of the Central Coast on your SESLOC debit card.

Whenever you use it, you're reminded of how lucky you are to live on the Central Coast. Plus, when you go Dutch at dinner, you can quickly identify which one is yours in the guest check book.

7. You get free tools to help visualize and manage your money.

Within Online Banking, you have access to Money Manager, which a tool to help set budgets and track spending. With easy-to-read charts and graphs and the ability to link all of your financial accounts, it's a one-stop-shop. No third-party app needed, which means your information stays safe.

6. You get free financial advice, information and... cookies.

SESLOC was founded by educators. Helping you learn how to manage money wisely is part of our DNA. That's why we offer tools, calculators and guides online and financial seminars at our branches. Each seminar provides unbiased advice, an information packet to take home, free cookies and coffee too. Homework is optional, but strongly encouraged.

5. You get benefits for just being a member.

Members receive discounted rates for auto, AD&D, home, health and life insurance programs from TruStage. Plus, at special events throughout the year, we offer free shredding of your confidential documents, which is up to an $80 value. Our Shred Days are not only about added security, it also makes a real environmental impact. Stay connected for other members-only events, deals and specials.

4. You get to help your neighbors finance their dreams too.

Loaning something to your neighbor is a gamble. Your lawn mower may never work the same again and you can't get that cup of sugar back. But, if they're a SESLOC member, you're helping them without any risk. When you deposit money at SESLOC, we can fund your neighbors' loans for a car, house or college education.

3. You get to say you're an owner of the Credit Union.

At SESLOC, membership means ownership.4 Just establish membership with a $5 fee and $5 deposit in your savings account, and you're in. Some of us have been proud members for 50+ years, so you'll need to catch up!

2. You get unbeatable customer service.

Everyone says their service is great, but unlike large banks with support teams calling from across the globe, team members at SESLOC actually live on the Central Coast. When you call our Contact Center, you're speaking to a local resident. When you visit the branch, you're getting to know members of your community.


1. You get a financial institution headquartered on Broad Street, not Wall Street.

You'll find SESLOC headquarters on Broad Street in San Luis Obispo, not 3,000 miles away on Wall Street. Our Board of Directors are volunteers that were elected by SESLOC members, and our decision makers have lived locally for decades. We don't have shareholders that demand more money from their customers. We have members that own a share of the Credit Union, and the Credit Union helps support the financial needs of the Central Coast.

Sold? We thought so.
Open your HomeFREE Checking account today!

Not a Member? You can join online in minutes. Existing members, please visit your nearest branch to get started.


Walk-ins also accepted. Find your nearest branch:
Paso Robles  |  Atascadero  |  San Luis Obispo  |  Arroyo Grande  |  Santa Maria


1Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortega family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.
2Applicable to individuals age 18 and older who have a valid credit file. Credit monitoring, report and score are provided by TransUnion, subject to change. This credit score may not be consistent with the credit score model used by a lender, and therefore can not be relied upon to determine credit worthiness for any particular loan opportunity.

3 A fee applies to each transfer. Please refer to the fee schedule. Your account must be open for 90 days to qualify for Courtesy Pay protection. See details

4 SESLOC membership is open to anyone who lives, works, worships or attends school in San Luis Obispo and Northern Santa Barbara counties in California.



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