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Free Checking Account Options

Choose Your Checking Account

A family is having fun outside.

Basic Checking

SESLOC debit cards

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?

Federally insured by NCUA
Federally insured by NCUA

Basic Checking

Super Simple with Less Fees

HomeFREE Checking

Packed with Exclusive Rewards

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?

Federally insured by NCUA
Federally insured by NCUA

Eligible for Level Up Member Benefits Program
Learn More

Basic Checking

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HomeFREE Checking

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Compatible with Change it Up automatic savings program
Learn More

Basic Checking

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HomeFREE Checking

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Earn Reward Points on Debit Card Purchases
Learn More

Basic Checking

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HomeFREE Checking

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Earn Bonus Rewards Points at Participating Local Businesses
Learn More

Basic Checking

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HomeFREE Checking

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Complimentary Mobile Phone Insurance
Learn More

Basic Checking

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HomeFREE Checking

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Complimentary ID Theft Recovery
Learn More

Basic Checking

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HomeFREE Checking

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Choose from two card designs, one option features the Cal Poly logo

Basic Checking

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HomeFREE Checking

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Eligible for Courtesy Pay Overdraft Program
Learn More

Basic Checking

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HomeFREE Checking

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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.

Federally insured by NCUA
Federally insured by NCUA

Minimum Balance Requirement

Basic Checking

None

HomeFREE Checking

None

Monthly Maintenance Fee

Basic Checking

None

HomeFREE Checking

None

Overdraft Fees

Basic Checking

None

HomeFREE Checking

Fees apply, see Consumer Fee Schedule

Non-sufficient Funds (NSF) Fees

Basic Checking

None

HomeFREE Checking

Fees apply, see
Consumer Fee Schedule

Cashier's Checks

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.

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 InsuranceGet 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.

See all Everyday Member Benefits »

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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 Federal 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