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Cal Poly students taking a selfie outside.

Free Checking Accounts for College Students

A must-have for all Mustangs.

Cal Poly Debit Rewards Card

Cal Poly students taking a selfie outside.

A must-have for all Mustangs.

SESLOC HomeFREE Checking Visa debit card with a Cal Poly design

Introducing the all new SESLOC

Cal Poly Visa Debit Rewards Card

for HomeFREE CheckingTM.

Packed with killer benefits like reward points on purchases, it comes with everything you need to bank on and off campus.

SESLOC checking debit card


Living on a budget and saving for college expenses just got easier. Our HomeFREE Checking™ account has no minimum balance requirement and no monthly fee… ever.

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Get Rewarded

Earn SESLOC Rewards points with SESLOC debit card purchases, redeemable for cash back, electronics, and all of your dorm or apartment essentials.

(Must be 18+ to earn points)
SESLOC Mobile icon

Take it to Go

Deposit checks and manage your account on the go via our mobile app. It even syncs with your Apple Watch. Need to visit the branch from time to time? Come see us at our branch in the UU.

contactless payment icon

Tap to Pay

Load your SESLOC debit card in Apple Pay, Google Pay, or Samsung Pay to make contactless payments at the register or for online orders. (Yes, it works with Uber Eats!) It’s a faster, safer way to pay.

ATM cash icon

Get Cash Fast

Withdraw as little as $5 cash from our campus ATM. With a SESLOC debit card, you have more surcharge free access to your account at 50 local and 30,000 more ATMs nationwide. That’s more access than most banks. Use our handy ATM finder. 

SESLOC branch icon

Bank Local

Ever heard of “shop local?” Rather than fund the interests of large corporations, when you join SESLOC, you put your money where your campus is. We’re owned by our members and not-for-profit.

Open a HomeFREE Checking Account Now.

Open an account online in just minutes. Or, stop by our Cal Poly branch, located in the UU beside Starbucks.

Must be 18+ to open an account online.
Two young women shopping downtown with a SELOC debit card.

Not a Student at Cal Poly?

Whether you are attending a college locally or out of state, you can take advantage of our options for students, like free checking accounts. SESLOC Membership is open to anyone who lives (or has residence in), works or attends school in San Luis Obispo, Santa Barbara, Ventura, Monterey, Santa Cruz, Tulare, Kern, Fresno, and Kings counties.

SESLOC's Cal Poly debit card
But wait. There’s more!

With Local Rewards,1 you’ll earn 1.5x in bonus points at merchants near campus and in the heart of San Luis Obispo.

Participating businesses near you include: 

  • Cal Poly Ticket Office
  • Milestone Tavern
  • Firestone Grill
  • SLO General Store
  • Thai Delight Cuisine
  • California Fresh Market
  • Black Horse Coffee
  • Cowboy Cookies
  • Shalimar Restaurant
  • Pizza Republic
  • Moondoggies Beach Club
  • Old SLO BBQ
  • Taco Temple

Powering Student Clubs and Businesses

SESLOC is committed to advancing Cal Poly in its mission. We provide deposit accounts for more than 400 Registered Student Organizations through ASI Club Services, ensuring they have quick, convenient access to funds for their activities. Plus, we take an active role in supporting student-run businesses, such as Mustang Media Group. Stay tuned for internship, mentorship, brand ambassador and other job opportunities. Contact us now, and we will notify you as opportunities arise.

Contactless payment icon

Contactless SESLOC Visa Cards

We now offer contactless Visa debit and credit cards, which are secure, convenient and touchfree. A simple tap on the payment terminal is all it takes to pay for the things you need at thousands of merchants nationwide-just look for the “contactless” symbol.

Get Started Today

Establish your Credit Union membership with a $5 deposit to a Primary Share Savings account and one-time $5 membership fee. Then, you’re eligible for other Credit Union benefits.

Must be 18+ to open an account online.

More Tips for Students

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Why Should College Students Join a Credit Union?

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1. Local Rewards bonus points are earned on purchases made at participating Local Businesses only. Participating Local Businesses (“merchants”) are subject to change at any time without notice. Participation in Local Rewards does not constitute an endorsement on the part of either the merchant or SESLOC Credit Union. Purchases made at participating merchants processed through third-party services (e.g. DoorDash, Grub Hub, Uber Eats etc.) may not qualify for bonus points under Local Rewards. Local Rewards is part of the SESLOC Rewards program; see for complete terms, conditions, restrictions and eligibility that apply. For any questions regarding Local Rewards, contact SESLOC Credit Union.