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A couple is shopping with their SESLOC Basic Checking debit card.

Basic Checking

Basic Checking 

A couple is shopping with their SESLOC Basic Checking debit card.

Basic Checking

SESLOC Basic Checking debit card

Bank more. Worry less. 

The SESLOC Basic Checking¹ account offers the convenience and flexibility you need for daily personal banking and a safe place to store your money, without having to worry about overdraft fees.

It’s available for teens aged 13 and up and a great option for a first account or anyone wanting a fresh start in managing a bank account. Accountholders will have access to tools to help keep budgets on track and improve your financial well-being.

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. 

Top Features

Enjoy no minimum balance and no monthly maintenance fee with this checking account, plus, it exclusively offers:

No Overdraft Fees

We’ll waive the transfer fee we charge when you don’t have enough money in your Basic Checking account to cover a transaction, and a transfer is made from your linked Share Savings.

No Non-Sufficient Funds (NSF) Fees

We’ll waive the fee we charge when a transaction is declined. NSF status occurs when you don’t have enough available funds in Basic Checking AND if available funds in your linked Share Savings cannot cover the transaction either.

No Cashier’s Check Fees

We’ll waive the fee when you need these secure, guaranteed checks. It’s a great way to make large payments.

Note: Paper statements for Basic Checking incur a $2.00 monthly fee, but you can avoid this fee by enrolling in eStatements. 

Certified by BankOn

We believe everyone deserves simple, secure access to their money. Basic Checking makes it possible.

We joined forces with the nonprofit Cities for Financial Empowerment (CFE) Fund in providing the Central Coast community with access to affordable banking solutions. We’re proud to offer Basic Checking, which is certified as a low-cost and low-fee checking option,

Basic Checking, Meet Powerful Tools

Our digital and remote banking tools have everything you need to manage your account at home or on the go:

a group of women enjoy a meal out
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. 

A woman balances her checkbook.
Here to help you every step of the way.

Here to help you every step of the way.

Whether Basic Checking is your first bank account or you’ve been banking a while, here are our top tips for managing your budget:

Featured Article:

What’s the difference between Overdraft and NSF Fees?

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.

“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