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Family at Pismo Beach blowing bubbles on the sand.

Free Checking Accounts with No Monthly Fee, No Minimum Balance

HomeFREE Checking


Family at Pismo Beach blowing bubbles on the sand.

HomeFREE Checking

SESLOC debit cards

It’s all sunshine and rainbows.

Plus points with debit card purchases.

We offer the best account on the Central Coast. Get everything you expect from free checking, like no minimum balance and no monthly fees, plus more. It comes with services and programs worth hundreds of dollars per year at no additional cost.




  • Points with Debit Purchases – Use your HomeFREE debit card to earn points that are redeemable for merchandise, gift cards, travel experiences and more. You can also get cash back rewards and redeem points for qualifying purchases in real time via text message.
  • Free Identity Theft Recovery + Mobile Phone Coverage – Get access to a personal Privacy Advocate to research and resolve identity theft issues, plus insurance coverage up to $500 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage, mechanical failure or theft.1
  • More Access Than Most Banks – Access to more than 50 local fee-free ATMs and nearly 30,000 nationwide, friendly service at six branch locations and 24/7 Online Banking.
  • PLUS – Additional perks include Overdraft Protection, Courtesy Pay and free point-of-sale transactions.


Special Offer

Just for SESLOC Members

You can get 20% OFF your purchase of full-priced plants, pottery and bagged soil at any Farm Supply location across the Central Coast.

HURRY! This offer ends June 30, 2024

(Terms and conditions apply, click learn more for details.)
Open your HomeFREE Checking account
ITINs accepted.

Not a Member? Join online in minutes.
Current members can open an account in Online Banking.

Or, call us at (805) 543-1816 or visit your nearest branch. For additional information, see How to Join »

HomeFree Checking is also available for teens aged 14 to 17. As a joint owner on the account, you can help them manage money wisely and monitor their transactions with Online Banking and account alerts.

SESLOC's Cal Poly debit card

This one’s for the fans.

Choose our exclusive Cal Poly debit card design when you open your HomeFREE Checking account and show your Poly pride.

– Current Members –

If you would like to switch to this Cal Poly debit card design, we’ll be happy to issue a replacement card at any branch. Please note you’ll need to update your card information with all of your subscription services. If your current debit card expires soon and would like this design, give us a call at (805) 543-1816 or stop by any branch.

Two women enjoy shopping with their HomeFREE Checking debit cards.


Free Checking

  • No minimum balance requirements
  • No monthly fees
  • Online and mobile account access
  • Instantly issued Visa® Debit card
  • Free eStatements and Bill Pay
  • Overdraft Protection and Courtesy Pay
  • Unlimited free point of sale transactions2
  • Free CO-OP ATM Network deposits/withdrawals3
  • More than 50 local ATMs and 30,000 nationwide3

Debit Rewards

With SESLOC Rewards, you’ll earn points for purchases you make with your new HomeFREE debit card.

  • Earn points for PIN and signed purchases
  • Redeem points for merchandise, event tickets, gift cards, travel—even charitable contributions
  • Joint cardholders can combine points to redeem even more rewards
  • Combine points earned on your HomeFREE debit card with those earned on your Visa Signature® Rewards credit card.

FREE Identity Theft Recovery + Mobile Phone Coverage

Almost everyone knows someone who has been a victim of identity theft. Or worse, it’s happened to you. HomeeFREE Checking’s free Identity Theft Recovery + Mobile program includes:

  • A personal Privacy Advocate to research and resolve identity theft issues
  • Coverage for you, your spouse/partner, children up to 25 years of age and parents living at home
  • Insurance coverage up to $500 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage, mechanical failure or theft.1
1. The primary accountholder can file a claim for any phones owned by them. For additional information about the services including terms, conditions and limitations, please visit
2. Some merchants and ATM owners may impose fees or surcharges. Read posted notices carefully to avoid unexpected fees.
3. $2 for each Non-SESLOC and Non-CO-OP ATM transaction. Some ATMs do not accept deposits.
Local Rewards
Show some local love.
Get some love back.

Earn Bonus reward points

on purchases at participating local businesses.

Terms, conditions restrictions and eligibility apply. See complete program details.


Change it Up

Our Change it Up savings program allows you to round up your everyday debit card purchases to make an automatic deposit into your Savings account.*

*Terms, conditions, restrictions and eligibility apply. See details.

It’s an easy, automatic way to save money.

A group of friends enjoy coffee on the Central Coast.
Membership Benefits

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 – Discounted rates and 24/7 claims service for auto, AD&D, home, health and life insurance programs.
  • Deals and specials – We offer loan specials, events and giveaways throughout the year. Check our News and Events page for the latest promotions.


New to credit unions? Learn more about our philosophy and how your money stays local.

Getting Started

From the News+ Blog

Embrace Contactless Payments

Embrace Contactless Payments

Contactless payments are secure, quick, and convenient, especially if you’re trying to avoid touching shared screens and keypads. Your SESLOC HomeFREE Checking™ Debit Card and Visa Credit Card or Visa Signature® Rewards Card are compatible with Apple Pay, Google Pay, and Samsung Pay,  which makes it easy to embrace contactless payments — all while earning rewards points for your purchases.

read more