Overdraft Protection
Protect your credit rating, avoid high fees and gain peace of mind.
SESLOC offers Overdraft Protection plans for your convenience. Overdraft from savings is effective automatically. An Overdraft Line of Credit offers added security (application required).
Overdraft from Savings
Funds are automatically transferred from your savings if your checking account balance is insufficient to cover checks, electronic debits, debit card purchases or payments scheduled through Bill Pay.* The funds must be available in the account and are transferred in the exact amount needed.
* A fee applies to each transfer. Please refer to the fee schedule.
Overdraft Line of Credit
This is an open-ended line of credit linked to your SESLOC checking account. Funds are advanced automatically to cover checks, electronic debits, debit card purchases or payments scheduled in Bill Pay if the balance in your checking account is insufficient.
There are no transfer fees, and no interest costs until you use it. Interest accrues from the day funds are advanced, and the amount due appears online or on your next statement.
Courtesy Pay
Offered exclusively for HomeFREE Checking accounts
Courtesy Pay Overdraft can provide additional protection when other plans you have established are not enough.
SESLOC News
From the News+ Blog
SESLOC Preferred Dealer Program Expands to Fresno County
Starting December 5, 2025, SESLOC is welcoming 15 new dealerships to the Preferred Dealer Program in Clovis, Fresno, and Selma.
Say Hello to Your NEW Level Up Dashboard
Log into Online Banking and look for the Level Up dashboard to see your current points and benefits in our easy-to-read charts.
SESLOC Members Break Shred Day Record in Tenth Year
For all of 2025, members shredded 191 bins at our six events across the Central Coast, for a grand total of 17.95 tons of documents destroyed.
Savings 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.
