SERVICES
From everyday essentials to added protections, CalCom’s services are designed to make your life easier with added convenience, security, and peace of mind.
AUTOMOTIVE SERVICES
Car Buying with CarScouts
Let CarScouts find your next new or used vehicle and have it delivered to your home, work, or a CalCom branch. Member satisfaction guaranteed.
email: info@carscoutscu.com
phone: 888-484-9666
Visit www.carscoutscu.com for more information!
Guaranteed Asset Protection (GAP)
If your vehicle is totaled or stolen, insurance may not cover your full loan balance.
For a one‑time cost of $499, GAP can:
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Cover the remaining balance on your CalCom auto loan after insurance pays
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Provide $1,000 toward your next CalCom‑financed vehicle
Mechanical Breakdown Protection (MBP)
Enjoy peace of mind long after your factory warranty expires with Mechanical Breakdown Protection (MBP). It helps cover major components like the engine, transmission, drive systems, front suspension, steering, electrical system, and air conditioning.
MBP also includes valuable extras such as rental car reimbursement and 24/7 roadside assistance. You can take your vehicle to any licensed repair facility in the U.S. or Canada, and coverage is transferable to a new owner, which can boost your vehicle’s resale value. The cost can be added to your monthly vehicle payment or purchased separately.
Additional features include:
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Trip interruption coverage
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24/7 roadside assistance
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Tire protection
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Rental car assistance
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Up to $500 auto deductible reimbursement
EVERYDAY SERVICES
Direct Deposit and Payroll
Routing & Transit (ABA) #: 3222-8310-7
Direct Deposit and Payroll Deduction give you fast, convenient access to your paycheck and make it easy to build savings or pay loans automatically. Provide CalCom’s routing number and your account number to your employer’s payroll department to get started.
To sign up for Direct Deposit, you may need to provide CalCom's routing & transit (ABA) - #: 3222-8310-7 and your CalCom account number to your employer's payroll department.
Direct Deposit for IRS Refund
IRS Direct Deposit is safe (checks can get lost or stolen), easy (save time, postage, and trees), and fast (refunds arrive up to 3 weeks earlier). Use the appropriate line under "Refund" on Form 1040 to deposit into your credit union account. You can also select up to three financial accounts for direct deposit of your tax refund. You can choose among IRA accounts, checking and savings accounts. You decide which combination is best for you. Use IRS Form 8888 to split your refund. Visit www.irs.gov for details.
For more information or questions regarding this benefit, please contact a Member Service Representative at 855.922.5266.
Visa® Debit Card
Enjoy 24/7 access to your funds plus the purchasing power of Visa. Use your CalCom Visa Debit Card at thousands of ATMs, including CO‑OP surcharge‑free locations, and at millions of merchants worldwide where Visa is accepted. Purchases are deducted directly from your Checking account.
Overdraft Privilege
The Credit Union provides Overdraft Privilege to eligible members as a benefit. Overdraft Privilege is not a line of credit. Overdraft Privilege is available to Checking accounts that are in good standing. Opt-In Form
Notary Public
The Credit Union has Notaries commissioned by the State of California to witness and certify signatures on documents. This service is available to both members and non-members. Note that an appointment is required and documents to be notarized must be tagged. Contact the Credit Union to make an appointment.
Identification Requirements
State Law requires a notary to have satisfactory evidence of the signer’s identity. Please have any of the following documents with you when showing up for a notary service:
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Identification or driver's license issued by the California Department of Motor Vehicle;
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A United States passport;
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Other State-approved identification card, consisting of any one of the following, if it also contains a photograph, description of the person, signature of the person, and identifying number -
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A passport issued by a foreign government provided that is has been stamped by the U.S. Immigration and Customs Enforcement;
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A driver's license issued by another state or by a Canadian or Mexican public agency authorized to issue drivers' license;
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An identification card issued by another state;
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A military identification card.
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Wire Transfers
Members can send domestic and international wire transfers through CalCom, with same‑day processing available for requests received before 12 pm. Applicable fees may apply.
Check Writing
CalCom offers credit union checks, money orders, and cashier’s checks for your payment needs.
Free Annual Credit Report
You are entitled to one free credit report every 12 months from each major credit bureau. CalCom recommends reviewing your report regularly to help spot errors or signs of fraud. Get your reports at AnnualCreditReport.com.
For questions about these services, contact a Member Service Representative at 855.922.5266.
PROTECTION SERVICES
Death, Disability and Unemployment Debt Protection
IN THE EVENT OF | DEATH | INVOLUNTARY UNEMPLOYMENT |
|---|---|---|
WHAT HAPPENS | Protected borrower passes away. |
All CalCom members are eligible for optional Debt Protection that can help cover loan payments in the event of death, disability, or involuntary unemployment, for an affordable additional cost.
TruStage
Through TruStage, underwritten by CMFG Life, members have access to:
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Accidental Death & Dismemberment
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Credit Disability
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Credit Life
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Life insurance
To learn more or enroll, call TruStage at 877.636.2377. If you already have a TruStage policy and need assistance, call 800.779.5433 and they’ll be happy to help!