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SLOCU offers our members many services to enhance your banking experience with us. Below is a list of the following services we offer:

Direct Deposit

With Direct Deposit, your paycheck is deposited automatically in your account and may be available up to three days early. Make SLO Credit Union your primary financial institution. Automatically deposit your paycheck into your Checking Account, Savings Account, Loan Account, or any combination of the three. We’re as flexible as you need us to be!

Our routing & transit number is #322282674

24-7 Online Banking

Our online banking, It’s me 24/7, is an Internet based financial service offered to you free of charge. It’s available 24 hours a day, seven days a week, giving you the flexibility to take care of many financial transactions without a visit to the credit union. Turn your computer into a “virtual” branch and access your accounts anytime. It’s fast, easy, and secure to access your accounts via the Internet. Once you sign up and log on you can view your account balances and history of activity, and make transfers between your accounts. At your fingertips, our online banking keeps you up to date on your accounts.

Online Bill Pay Service

A one stop shop for paying your bills online! Just login to your SLOCU account and set up the bills you want to pay. It’s free and saves you time with only one login!


No more waiting for snail mail! Sign up for e-Statements and you get immediate access to your SLO Credit Union statements. More convenient! You can manage your financial accounts without having to rely on normal hours of operation. Sign up for Online Banking, Virtual Branch, and then you can sign-up for e-statements online. You will receive a printable PDF image of their paper statements in Online Banking within hours after the statement period ends. You can easily sign up for e-statements online and can choose whether to opt-out of the paper statement at the same time. Once you sign up for e-statements, you will have access to all archived monthly statements for at least 6 months.

A2A (Account to Account)

Need to move money from an account at another financial institution?  If you are signed up for online banking with SLOCU, you can link the accounts and move money between them! Just complete the A2A form online and upload a voided check or statement from your other financial institution. SLOCU will add that to your online transfer options, and you can begin transferring! Transfers can take 1-2 business days.

Pay Anyone – (Person to Person)

Owe your best friend for buying you a coffee this morning?  You can pay them back easily with a text message or email.  No need for another app. Use this convenient service through our online banking.

Mobile Banking App/Mobile Deposit Checks

Downloading the SLOCU App gives you online banking ability on the go! From depositing a check to managing your Debit Card. Mobile banking gives you flexibility with your SLOCU accounts.

24/7 ATM

Our Co-op network ATM gives you access to withdraw from your account or deposit at the Osos Street Branch anytime. It also gives you withdrawal access at other Co-op network ATMS nationwide…fee free!

Mastercard Debit Card

With a SLOCU Mastercard Debit Card, taking SLOCU with you is even easier! Buy what you want when you want it and have it deducted straight from your checking account.

Co-op Shared Branching

Moving or traveling?  SLOCU is part of the Co-op network which gives you access not just to the SLOCU branch but also to select local credit unions AND a nationwide system.  You can visit any of these locations as if it was a SLOCU branch. Click here to learn more.

Wire Transfer

Send or receive money from virtually any financial institution in the world. Need money fast? If you request a wire by noon, the funds are deposited into the account generally by the next day, but no longer than three days. SLO Credit Union does not charge you any fees to receive a bank wire.  Please ensure you have complete wiring instructions from the institution where the funds are going.  All wires are screened to ensure funds are not being sent to a blocked county or person.

Electronic Funds Transfer

Electronic Funds Transfers are automatic deposits and payments which are:
> Safe – because it reduces the risk of your money or information being lost or stolen.
> Convenient – because it saves time, eliminates standing in line.
> Dependable – your money is automatically deposited in your account on your pay date or withdrawn on the due date. Go on vacation with no worries about how you are going to make your payments or deposits.
> Cost-Effective – no postage and no checks to write, plus SLO Credit Union offers this as a free service.

Do you have a loan with us and looking for an easy way to make your payment using an account at a different financial institution? Use our new LoanPay service by clicking on the button at the top of our website.