Basic Checking - SESLOC Credit Union

Basic Checking - SESLOC Credit Union
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Va a entrar a una página que podría estar en inglés. Es posible que el contenido, las solicitudes y los documentos asociados con los productos y servicios específicos en esa página estén disponibles solo en inglés. Antes de escoger un producto o servicio, asegúrese de haber leído y entendido todos los términos y condiciones provistos. Si tiene alguna pregunta, comuníquese con nosotros al (805) 543-1816. Para acceder a la versión en Inglés del sitio, seleccione el idioma en la barra de menú superior.
Personal
Checking
Checking Accounts
Choose Your Account
Basic Checking
HomeFREE Checking
SESLOC & Local Rewards
Identity Theft Programs
Account & Visa Card Services
Overdraft Protection
Visa® Debit Cards
Fraud Monitoring
Card Controls in Online Banking
Travel Notifications
Digital Wallets
Just for College Students
Accounts & Services
Cal Poly Branch
Getting Started in Life
Financial tips and tools for college and beyond.
Staying Safe in a Digital World: How to Spot, Avoid, and Recover from Scams
Rediscover Local Treasures and Treats with New Local Rewards Businesses
Money Makeover: Your Financial Spring-Cleaning Checklist
Make the Most of Your Checking Account
Savings
Savings
Savings Account Options
Share Certificate
Money Market
Specialty Savings
Share Certificate Specials
Save to Win
Change it up
Retirement
Traditional IRA
Roth IRA
SEP
Do This, Not That: Plan Your 2026 Finances with Ease
How to Set Homeownership Savings Goals
Budgeting Basics
5 Easy Ways to Boost Your Savings
Auto Loans
The #1 Auto Lender
Purchase a Vehicle
Refinance Your Loan
Special Offers & Programs
HomeFREE Discount Program
GAP Insurance
Mechanical Repair Coverage
Auto Buying Resources
Calculate a Vehicle Payment
AutoSMART & SESLOC Preferred Dealers
Vehicle Registration & Title FAQs
What the Made in America Auto Loan Interest Deduction Means for Your Next Car
Auto Buyers Get Enhanced Resource with Expanded Preferred Dealer Program
Buying your first car? This is what you need to know.
Get Peace of Mind for Your Ride
Personal Loans & Credit Cards
Credit Cards
Choose Your Card
Visa Signature® Rewards card
Classic Visa® Credit Card
Balance Transfers
Personal Loans
Personal Loans and Lines of Credit
Instant Funds loans
Sustainable Loans
Debt Protection
Three Situations When You Should Use a Credit Card
Surprising Facts About Where Your Credit Report is Used
Student Loans – What’s the Difference?
Strategies for Tackling Credit Card Debt
Home Loans
Local Lender
Overview
Meet our Team
Today's Mortgage Rates
Instant Mortgage Rate Quote
Putting Down Roots
Purchase
Refinance
Lot & Land
Investment Property
Special Loan Programs
Just for School Employees
Just for First Responders
FHA Loans
VA Loans
Cal Poly Faculty & Staff Housing
Tap Into Your Equity
Home Equity Loans
Home Equity Line of Credit
Recent Expansion of our Home Equity Line of Credit Program
Mortgage Points: What You Need to Know
What’s the Difference Between a HELOC and Home Equity Loan?
What is Home Title Theft?
Digital & Remote Banking
Online Banking Services
Overview
Getting Started: How to Enroll
SESLOC Mobile App
Mobile Deposit
Alerts
Transfers
eStatements & eNotices
Financial Tools
Card Services
Submit a Travel Notice
Contactless Payments
Bill Pay in Online Banking
Apple, Google & Samsung Pay
Visa Debit Cards
EasyPay Online
Other Services
Direct Deposit
Member Forms
Phone Teller
Stay Connected
Live Chat
Member Support How-Tos
Subscribe for Email Updates
Business
Business Services Overview
Business Rates
Remote and Digital Business Banking
Local Lending
Business Loans
Commercial Loans
Deposit Services
Business Checking
Business Savings
Business Share Certificate
Business Money Market
Mobile Deposit Capture
Business Member Education
Calculators for Running Your Business
Online Banking Support
Business Bill Pay Guide
Drive Your Business Forward
Basic Business Vehicle Loans are now more affordable.
See How »
Wealth Management
Why SESLOC
Who We Are
Member Owned Since 1942
Why SESLOC
How to Join SESLOC
Our 80+ Year History
80th Anniversary Celebrations in 2022
Credit Union Leadership
Charter Conversion FAQs
Annual Report & Publications
Employment
Committed to returning value by the philosophy of “People Helping People.”
Shred Days Promote Sustainability, Safeguard Against Identity Theft
Sustainable Local Rewards Businesses Along the Central Coast
Make the Switch to SESLOC in 6 Easy Steps
Community Impact
Celebrating People + Place
Giving Back to the Central Coast
Education Grants
Financial Scholars
Community Fundraisers
80th Anniversary Celebrations
SESLOC and GreenPath Help Members Clear $155,000+ in Debt
SESLOC Awards Nearly $27,000 in 2025 Education Grants
SESLOC EverFi Financial Scholars Program Reaches 1,200 Students in 2024-25 School Year
Meet the SESLOC Young Change Makers in Our Community
Financial Education
Boosting Your Financial IQ
Our Commitment to Financial Education
Financial Seminars
Financial Calculators
Financial Counseling & Debt Management Plans
100+ Financial Health Articles
Taking control of your financial health starts with education. Learn how:
National Cybersecurity Awareness Month
Fraud Center
How to Identify Phishing and Imposter Scams
Device Protection — Is Your Personal Information Safe?
Your 2026 Credit Score Playbook: The Biggest Changes
Your Guide on What to Keep and What to Shred
Member Benefits & Specials
Programs & Services
Everyday Member Benefits
Level Up - Do more, get more.
SESLOC Rewards
Local Rewards
TruStage Insurance
Share Certificate Specials
HomeFREE Discount Program
Member Events
Shred Days
Youth Week 2025
I Love My Credit Union Day
SESLOC Festival of Lights
International Credit Union Day
Financial Webinars
National Cybersecurity Awareness Month
Affordable Loan Add-Ons
Mechanical Breakdown Insurance
GAP Plus
Debt Protection
5 Ways to Level Up and Save More
Shred Days Safeguard Against Identity Theft
Get in Touch
Find a Branch or ATM
Branch Locations
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ATM Locator
Branch Waitlist
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Live Chat
(805) 543-1816
We’re here to help.
Call our Contact Center:
Monday - Friday
8:00 AM - 6:00 PM
Saturday
9:00 AM - 1:00 PM
Sunday
Closed
News+
See our latest tips for building
a bright financial future.
Select any item to launch News+ ↗
Member News
Fraud Advisories
From Your CEO
Hot Off the Press
Top SESLOC Rewards
Community Stories
Education Grants
Community Cares Award
Young Change Makers Award
On the Scene
Positive Impact
Financial Health Tips
Financial Basics
Fraud Prevention
Getting Married
Going to College
Home Buying
Dealing With Debt
Parents & Kids
Starting a Business
Member Support & How-Tos
Online Banking
Bill Pay
Business Online Banking
Deposit Accounts
Loans
Fraud Center
Ask a Financial Planner: Tariff Turmoil or Economic Signal?
Five Ways to Keep Identity Thieves Guessing
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Basic Checking
Basic Checking
Bank more. Worry less.
The
SESLOC Basic Checking¹
account offers the convenience and flexibility you need for daily personal banking and a safe place to store your money, without having to worry about overdraft fees.
It’s available for teens aged 13 and up and a great option for a first account or anyone wanting a fresh start in managing a bank account. Accountholders will have access to tools to help keep budgets on track and improve
your financial well-being.
Start your journey with SESLOC.
ITINs accepted.
Start your journey with SESLOC.
ITINs accepted.
Join & Open Account Now
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.
Top Features
Enjoy no minimum balance and no monthly maintenance fee with this checking account, plus, it exclusively offers:
No Overdraft Fees
We’ll waive the transfer fee we charge when you don’t have enough money in your Basic Checking account to cover a transaction, and a transfer is made from your linked Share Savings.
No Non-Sufficient Funds (NSF) Fees
We’ll waive the fee we charge when a transaction is declined. NSF status occurs when you don’t have enough available funds in Basic Checking AND if available funds in your linked Share Savings cannot cover the transaction either.
No Cashier’s Check Fees
We’ll waive the fee when you need these secure, guaranteed checks. It’s a great way to make large payments.
Note:
Paper statements for Basic Checking incur a $2.00 monthly fee, but you can avoid this fee by enrolling in
eStatements.
Certified by BankOn
We believe everyone deserves simple, secure access to their money. Basic Checking makes it possible.
We joined forces with the nonprofit Cities for Financial Empowerment (CFE) Fund in providing the Central Coast community with access to affordable banking solutions. We’re proud to offer Basic Checking, which is certified as a low-cost and low-fee checking option,
Learn more about the BankOn certification »
Basic Checking, Meet Powerful Tools
Our digital and remote banking tools have everything you need to manage your account at home or on the go:
Surcharge-free ATM Transactions
at SESLOC and CO-OP ATMs, which includes 55 local and 30,000+ nationwide.
Get a
Basic Checking debit card
issued same day in any branch. Or, if you’re applying online, one will be mailed to you.
Free Online Banking
and
SESLOC Mobile App
, with
Mobile Check Deposit
Bill Pay
Card Controls
Travel Notifications
and more.
Access to
Direct Deposit Funds
a Day Early.²
In real time fraud alerts via text message, courtesy of Visa’s
complimentary
Debit Card Fraud Monitoring service.
Digital Wallet Compatible with
Apple, Google and Samsung Pay
Access to
personal money management and financial wellness tools
in Online Banking, including Credit Score by Savvy Money, Spend Forecast & Analysis, Budget Tracker, and Financial Health Checkup
Start your journey with SESLOC.
ITINs accepted.
Start your journey with SESLOC.
ITINs accepted.
Join & Open Account Now
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.
Here to help you every step of the way.
Here to help you every step of the way.
Whether Basic Checking is your first bank account or you’ve been banking a while, here are our top tips for managing your budget:
Featured Article:
What’s the difference between Overdraft and NSF Fees?
Three Ways You Can Help Children Save
Here are three ways you can help children learn to save money that will serve them throughout their lifetime.
Make the Switch to SESLOC in 6 Easy Steps
Switching to SESLOC is easy — just follow these six steps.
What is a Cashier’s Check & When Do I Need to Use It?
What do you use when a person or business won’t accept personal checks, debit, or credit cards (or if the transaction is above your credit/debit daily limit)? That’s where a cashier’s check comes in.
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 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.
“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
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NOTE: The content, applications, and documents associated with specific products and services may be available only in English or auto-translated. If you have any questions, please contact us at (805) 543-1816. Va a entrar a una página que podría estar en inglés. Es posible que el contenido, las solicitudes y los documentos asociados con los productos y servicios específicos en esa página estén disponibles solo en Inglés. Quizás esté solamente disponible en Inglés o traducido automaticamente. Antes de escoger un producto o servicio, asegúrese de haber leído y entendido todos los términos y condiciones provistos. Si tiene alguna pregunta, comuníquese con nosotros al (805) 543-1816.
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Member Support How-Tos
Live Chat
Personal
Checking
Choose Your Account
Basic Checking
HomeFree Checking
Identity Theft Services
Just for College Students
Visa Debit Cards
Fraud Monitoring Service
Overdraft Protection
Savings & Retirement
Share Certificate
Money Market
Traditional IRA
Roth IRA
SEP
Share Certificate Specials at SESLOC
Save to Win
Change it up
Personal Loans and Lines of Credit
Auto Loans
Vehicle Loans
Purchase or Refinance a Vehicle Loan
AutoSMART & SESLOC Preferred Dealers
HomeFREE Discount Program
Calculate a Vehicle Payment
GAP Insurance
Mechanical Repair Coverage
SESLOC Visa Credit Cards
Visa Signature Rewards credit card
Classic Fixed Rate Visa Credit Card
Personal Loans
Instant Funds loans
Sustainable Loans
Borrower Security
Home Loans
Home Loan Programs
Find a SESLOC Mortgage Loan Officer
Mortgage Rates
Instant Mortgage Rate Quote
Purchase a Home
Refinance a Mortgage
Land & Lot Loans
Home Equity Line of Credit
Home Equity Loans
Investment Property Lending
Just for First Responders
Just for School Employees
FHA Loans
VA Loans
Cal Poly Faculty & Staff Housing
Calculate a Mortgage Payment
Remote and Digital Banking
Enroll in Online Banking
SESLOC Mobile App
Mobile Check Deposit
eStatements & eNotices
Online Banking Alerts
Open Transfers
Bill Pay
Google, Samsung & Apple Pay
Direct Deposit
Live Chat
Send Forms Securely with DocuSign
Card Services
Submit a Travel Notice
Phone Teller
Business
About Business Services
Contact Business Services
Business and Nonprofit Checking Accounts
Business and Nonprofit Savings Accounts
Business Share Certificates
Business Money Market Accounts
Business Lending
Calculators for Running Your Business
Commercial Lending
Business Services Rates
Remote and Digital Business Banking
Business Member Education
Nonprofit Banking Guide
Calculators for Running Your Business
Online Banking Support
Business Bill Pay Guide
Wealth Management
Why SESLOC
Why SESLOC?
About SESLOC, Our 80 Year History
How to Join SESLOC
Leadership
Annual Report & Publications
80th Anniversary Celebrations in 2022
Community Impact
Giving Back to the Central Coast
SESLOC Financial Scholars
Community Fundraisers
Education Grants
80th Anniversary Celebrations
Financial Education
Our Commitment to Financial Education
Webinars & Seminars
GreenPath Financial Counseling
Financial Calculators
Financial Tools
Fraud Center
Member Benefits & Specials
Programs & Services
Everyday Member Benefits
Level Up
SESLOC Rewards
Local Rewards
TruStage Insurance
Share Certificate Specials
HomeFREE Discount Program
Member Events
Shred Days
Youth Week 2025
I Love My Credit Union Day
International Credit Union Day
Financial Webinars
Cybersecurity Awareness Month
Affordable Loan Add-Ons
Mechanical Breakdown Insurance
GAP Plus
Debt Protection
SESLOC News+
Member News
From Your CEO
Fraud Advisories
Hot Off the Press
Top SESLOC Rewards
Community Stories
Education Grants
Community Cares Award
Young Change Makers Award
On the Scene
Positive Impact
Financial Health Tips
Dealing With Debt
Financial Basics
Fraud Prevention
Getting Married
Going to College
Home Buying
Parents & Kids
Starting a Business
Member Support & How-Tos
Online Banking
Bill Pay
Business Online Banking
Deposit Accounts
Loans
Fraud Center: Protect Yourself from the Latest Scams
Join SESLOC & Open Account
Today?s Consumer Rates
Apply for a Loan
Today’s Mortgage Rates
Today?s Business Rates
Make a Loan Payment
Find a Branch
Find an ATM
Contact Us (805) 543-1816
Book Appointment
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Change Address Form & More
Consumer and Business Fee Schedules – Overdraft Fees Just Reduced or Eliminated
Routing Number: 322282713
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ROUTING NUMBER
: 322282713
NMLS #411619
© Copyright 2026 SESLOC Credit Union
Founded in 1942, SESLOC Credit Union is a not-for-profit financial institution providing personal and business banking, commercial lending and investment services in central and coastal California. Committed to improving the financial well-being of its members and community, SESLOC offers affordable and inclusive products, services and education programs to help build financial stability. SESLOC accepts ITINs. From free checking accounts, high-yield savings and investment accounts, mortgages, home equity line of credit, credit cards, personal and auto loans, wealth management services, business banking, and commercial lending, SESLOC is here for all of your banking needs. Members may bank online, use the SESLOC mobile banking app, use one of 30,000 surcharge-free ATMs nationwide, or visit one of our branches in
Paso Robles
Atascadero
San Luis Obispo
Cal Poly campus
Arroyo Grande
or
Santa Maria.
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.
If you’re using a screen reader or other auxiliary aid and are having difficulty with this site, please call (844) 773-7562
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