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A group of friends enjoy coffee on the Central Coast.

Change it up

Change it Up


A group of friends enjoy coffee on the Central Coast.

Change it Up


Start saving while spending.

Making a change isn’t always easy, but with our Change it Up savings program, you can save for things that are important to you.

Whether it’s a new outfit, weekly groceries or even saving for the down payment on a car or new home, every little bit helps. Round up your everyday debit card transactions to make an automatic deposit into your Savings account. It’s an easy, automatic way to save money.*

A family is grocery shopping with their SESLOC debit card.

With Change it Up, you can choose where your change is deposited. Deposit into a Save to Win share certificate to earn even more dividends on your hard-earned savings. Eligible accounts include:

  • Primary or Secondary Share Savings account
  • Save to Win 12-month Share Certificate

How it Works:

  1. Enroll today using our handy form. Select which checking account(s) you want to Change it Up, and the savings account you want the funds to be deposited into.
  2. Make purchases with your SESLOC debit card.
  3. We’ll round up your purchase to the nearest dollar amount and transfer the change from your checking account to your savings or Save to Win certificate account. Your ‘Change it Up‘ savings are aggregated and deposited at the end of each day.
  4. If your available checking balance is $25 or less, we will not round up the debit card purchases and you will not recieve a Change it Up transfer for that day.
  5. See your Change it Up totals on your monthly account statement. You’ll see one transaction on your statement for each day debit card purchases settle on your account.
  6. That’s it!
coffee and debit card icon

$3.65 rounds up to $4.00

$0.35 goes to savings

piggy bank icon
Enroll Today

Simply complete this short form and we’ll process your request within two business days.

Or, call us at (805) 543-1816 or visit your nearest branch to get started. 

To unenroll in Change it Up, please submit this form or return to any branch office.

* When you enroll in SESLOC’s Change It Up program, you understand that the amount of any SESLOC debit card purchase made by a cardholder issued a debit card associated with your checking account will round up to the next whole dollar and the excess of the purchase amount transferred into your selected savings account. If a debit card purchase is refunded or cancelled, the corresponding Change it Up transfer remains in your savings account. SESLOC may cancel or modify the SESLOC Change It Up service at any time without prior notice. Change it Up service is not available for business debit cards, and you may not transfer to a Consumer Money Market or Consumer Building Block Share Certificate Account.

Your Money is Safe at SESLOC

Accounts are insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency. 

Why Saving is Winning

From the News+ Blog

Save to Win Share Certificate Participants Celebrate Big Wins

Save to Win Share Certificate Participants Celebrate Big Wins

26 members won a combined $7,300 in the monthly and quarterly Save to Win 12-month Share Certificate¹ prize drawing² earlier this month — including two big quarterly winners of $5,000 and $1,000. What would you do if you got the call announcing a surprise windfall? Anthony, the $1,000 quarterly prize winner, quite literally jumped for joy when he heard the good news. 

read more
5 Ways to Level Up & Save More

5 Ways to Level Up & Save More

Consider making moves to Level Up, with our new member benefits program.¹ Increasing benefits include select fee waivers, waived check orders, and rate discounts on new eligible consumer loans — all of which can help you save even more money and get ahead financially.

read more