https://www.perplexity.ai/search/36fb3ba6-0807-4712-98d9-03737013612a
# Perplexity. Help me understand. It used to be I could make mobile
deposit with my credit union. The account is thoroughly overdrawn and
I got a holiday check. But I don’t see any mobile deposit button. Can
you comfort and guide me gently.
The mobile deposit option likely disappeared because the credit union
has automatically disabled Mobile Deposit Service on accounts with a
negative balance, not because you did anything wrong or because you
are permanently blocked.[^1_1][^1_2]
## What is probably happening
- Ancorum’s terms say accounts with a negative balance are not
eligible for mobile deposit and that they may revoke the feature at
any time for accounts in that status.[^1_1]
- When that happens, the “Deposit” or mobile check deposit button is
usually hidden in the app rather than showing an error, which matches
what you are seeing.[^1_2][^1_3]
## How you can still use the check
- You can usually still deposit the physical check by:
- Visiting a branch or shared-branch partner in person.[^1_1]
- Mailing the check to the credit union with your account number
and endorsement on the back.[^1_1]
- If you need the funds urgently, you can call the credit union and
ask if they will temporarily re‑enable mobile deposit or advise on the
fastest way for that holiday check to cover the overdraft.[^1_4]
## Gentle next steps
- Take a breath: this is a reversible systems rule, not a moral
judgment; every account can come back into **good** standing once a
deposit posts.
- When you’re ready, call the member services number on their site and
say something like, “My account is negative and my mobile deposit
button is gone; I have a check I’d like to use to bring it
current—what are my options?”[^1_4][^1_1]
- If phone calls feel stressful, you can also use their secure online
message system to ask the same question and confirm exactly how to
endorse and submit the check.[^1_1]
<span
style="display:none">[^1_10][^1_11][^1_12][^1_13][^1_14][^1_15][^1_16][^1_17][^1_18][^1_19][^1_20][^1_21][^1_5][^1_6][^1_7][^1_8][^1_9]</span>
<div align="center">⁂</div>
[^1_1]: https://ancorumcu.com/mobile-deposit-terms-conditions
[^1_2]: https://ancorumcu.com/electronic-services
[^1_3]: https://www.fedecu.com/manage/mobile-banking/mobile-deposit-capture-faq
[^1_4]: https://ancorumcu.com/faqs
[^1_5]: image.jpeg
[^1_6]:
https://www.facebook.com/ancorumcreditunion/videos/five-county-mobile-banking/560872824816649/
[^1_7]: https://ancorumcu.com
[^1_8]: https://ancorumcu.com/digital-banking
[^1_9]:
https://www.cenfedcu.org/docs/default-source/online-banking-help-documents/digital-banking-mobile-user-guide.pdf?sfvrsn=8e07c6e4_1%2FDigital-Banking-Mobile-User-Guide.pdf
[^1_10]: https://campuscu.com/mobile-deposits-step-by-step/
[^1_11]: https://www.natcocu.org/mobile-deposit/
[^1_12]: https://www.radiantcu.org/online/ebankingfaq.shtml
[^1_13]: https://www.montanacu.com/faq/who-is-eligible-for-mobile-deposit/
[^1_14]: https://www.covantagecu.org/accounts/checking
[^1_15]: https://islandfcu.org/educational-tips-on-using-mobile-check-deposit/
[^1_16]:
https://company.rtl.com/.galleries/downloads/general_meeting/4.-AGM-2024-RTL-Group-Annual-Report-2023.pdf
[^1_17]: https://www.canvas.org/membership/account-services/online-mobile
[^1_18]:
https://honorcu.com/wp-content/uploads/2020/01/Mobile-Deposit-FAQ-2020.pdf
[^1_19]: https://www.fideuram.it/media/4345/integrato20-eng.pdf
[^1_20]:
https://www.reddit.com/r/personalfinance/comments/1039c39/account_overdraft_due_to_mobile_check_deposit/
[^1_21]:
https://www.alivecu.coop/_/kcms-doc/471/43934/Mobile-Deposit-Guidelines.pdf
---
# Thank you. I think their site says they are closed today and
tomorrow. I read your citation and I see it says mobile deposit can be
revoked, but I didn’t see it saying that happening associated with a
negative balance. Can you quote or were you quickly summarizing
something uncertain? The banking interface has been upgraded too
You are right to question that; the “negative balance” part is
explicitly stated, not just a guess, and it is fair to be precise
about it.
## What the terms actually say
- The Mobile Deposit Service Terms \& Conditions page includes:
“Accounts not eligible for MDS include but are not limited to: Second
Chance Share Draft accounts, Youth accounts, **accounts with a
negative balance**, and accounts with charged off loans.”[^2_1]
- The same document also says “ACU may deny, revoke, or place
limitations on the use of MDS for any reason not prohibited by law,”
which is why the button can silently disappear when they change
eligibility or after an app upgrade.[^2_1]
## Why your button might be gone
- With the account currently overdrawn, it squarely fits the “accounts
with a negative balance” category that the terms list as ineligible
for mobile deposit, so the app hiding the deposit option is consistent
with their written policy.[^2_1]
- A recent interface upgrade could have enforced that rule more
strictly or just changed where the feature appears, which makes it
feel sudden even though the underlying condition has been
there.[^2_2][^2_1]
## Gentle reassurance and options
- This is a conditional systems rule, not a permanent verdict on you;
once the account is back in a positive **state**, you can ask them to
re‑enable mobile deposit under the same terms.
- Since they are closed today and tomorrow, you still have options
that do not depend on the app: endorsing and mailing the check, or
planning an in‑person visit when they reopen, both of which their
terms mention as alternatives when mobile deposit is
unavailable.[^2_1]
<span
style="display:none">[^2_10][^2_11][^2_12][^2_13][^2_14][^2_15][^2_16][^2_17][^2_18][^2_19][^2_20][^2_21][^2_3][^2_4][^2_5][^2_6][^2_7][^2_8][^2_9]</span>
<div align="center">⁂</div>
[^2_1]: https://ancorumcu.com/mobile-deposit-terms-conditions
[^2_2]: https://ancorumcu.com/digital-banking
[^2_3]:
https://ppl-ai-file-upload.s3.amazonaws.com/web/direct-files/attachments/images/124688007/903efc72-d58a-483c-9e7a-7bb7d8330182/image.jpeg
[^2_4]: https://ancorumcu.com/electronic-services
[^2_5]:
https://www.silveradocu.com/wp-content/uploads/2017/10/disclstatem_aib_tis.pdf
[^2_6]: https://www.aoacu.com/wp-content/uploads/New-Member-Welcome-Kit_.pdf
[^2_7]: https://www.fivecounty.com/mobile-deposit-terms-conditions
[^2_8]:
https://oc-fivecountycu.squarespace.com/s/MSA-EFT-Disclosure-AncorumCU-09-15-2025.pdf
[^2_9]:
https://usccreditunion.zendesk.com/hc/en-us/articles/4422594844311-I-have-a-negative-balance-in-my-Checking-Account-What-should-I-do
[^2_10]:
https://newdirectionsccu.com/wp-content/uploads/2024/09/Remote-Deposit-Capture-User-Agreement-Updated-09.20.24.pdf
[^2_11]:
https://www.reddit.com/r/Banking/comments/17f9f80/pending_total_negative_after_a_check_deposit/
[^2_12]: https://www.dominofcu.com/pdfs/DFCU+Mobile+Deposit+Disclosure.pdf
[^2_13]: https://apps.apple.com/us/app/camden-national-bank/id413313926?l=ar
[^2_14]:
https://www.americascreditunions.org/blogs/compliance/resolving-negative-accounts-it-45-or-60-days
[^2_15]: https://www.caccu.org/online-services/mobile-app/
[^2_16]:
https://www.facebook.com/groups/mabuhaycommunity/posts/1443328379658994/
[^2_17]:
https://www.cabrillocu.com/Documents/Disclosures/Mobile-Deposit-Terms-and-Conditions.html
[^2_18]:
https://static1.squarespace.com/static/5ac6559c5cfd79f86f06f5f9/t/68dd72cb980e617176168f52/1759343307032/MSA+-+EFT+Disclosure+-+AncorumCU+-+09-15-2025.pdf
[^2_19]: https://www.yelp.com/search?find_desc=Bill+Pay\&find_loc=Belgrade%2C+ME
[^2_20]:
https://uecu.org/wp-content/uploads/2021/03/e-Posit™20Service20Agreement.pdf
[^2_21]: https://spiritofak.com/wp-content/uploads/2017/05/Deposit-Services.pdf
---
# Thank you so much.
You’re very welcome.
If anything about this or the new interface feels confusing or
stressful later, bring it back here and it can be unpacked step by
**step** together.
<span style="display:none">[^3_1]</span>
<div align="center">⁂</div>
[^3_1]:
https://ppl-ai-file-upload.s3.amazonaws.com/web/direct-files/attachments/images/124688007/903efc72-d58a-483c-9e7a-7bb7d8330182/image.jpeg
---
# The nearest credit union in the network is Service CU in Hinsdale.
Do you know how to figure out when they are open for the holidays?
The Hinsdale Service Credit Union branch follows its normal posted
hours but closes early at 1:00 p.m. on Christmas Eve and is closed on
Christmas Day.[^4_1][^4_2]
## Regular Hinsdale branch hours
- The Hinsdale Walmart branch page lists typical lobby hours as:
- Monday–Wednesday: 9:00 a.m.–5:00 p.m.
- Thursday–Friday: 9:00 a.m.–6:00 p.m.
- Saturday: 9:00 a.m.–3:00 p.m.; Sunday: closed.[^4_1]
## Holiday-specific hours
- Service Credit Union’s 2025 holiday-closures page says branches
**close at 1:00 p.m. local time on Wednesday, December 24 (Christmas
Eve)** and are **closed Thursday, December 25 (Christmas Day)**.[^4_2]
- To double‑check before traveling, you can call their main number
from the locations or contact page and confirm “Hinsdale Walmart
branch hours for today,” which they state is supported by a 24/7
contact center.[^4_3][^4_4]
<span
style="display:none">[^4_10][^4_11][^4_12][^4_13][^4_14][^4_15][^4_16][^4_17][^4_5][^4_6][^4_7][^4_8][^4_9]</span>
<div align="center">⁂</div>
[^4_1]: https://servicecu.org/locations/hinsdale-walmart/
[^4_2]: https://servicecu.org/about-us/holiday-closures/
[^4_3]: https://servicecu.org/locations/
[^4_4]: https://servicecu.org/contact/
[^4_5]:
https://ppl-ai-file-upload.s3.amazonaws.com/web/direct-files/attachments/images/124688007/903efc72-d58a-483c-9e7a-7bb7d8330182/image.jpeg
[^4_6]: https://www.yelp.com/biz/service-credit-union-hinsdale
[^4_7]: https://www.mapquest.com/us/new-hampshire/service-credit-union-357181978
[^4_8]: https://www.mapquest.com/us/new-hampshire/service-credit-union-464095951
[^4_9]:
https://us.atm.place/service-credit-union-hinsdale-branch-inside-walmart-442655
[^4_10]:
https://nh.bankee.us/item/service-credit-union-hinsdale-branch-inside-walmart/
[^4_11]: https://service1.org/about/news-and-events/holiday-hours
[^4_12]:
https://www.indeed.com/cmp/Service-Credit-Union/faq/what-is-the-vacation-policy-like-at-service-credit-union-how-many-vacation-days-do-you-get-per-year?quid=1gelkql4j216v001
[^4_13]: https://www.centralcu.org
[^4_14]:
https://hinsdalenhlions.org/2022/12/22/happy-holidays-from-service-credit-union/
[^4_15]: https://servicecu.org
[^4_16]: https://servicecu.org/sitemap/
[^4_17]:
https://www.govinfo.gov/content/pkg/CDIR-1930-01-18/text/CDIR-1930-01-18.txt
---
# Is the surrounding Walmart open? Do they have an in-network ATM I
could use to deposit?
Yes, the Walmart around that branch is open today, and there is an
in‑network way to deposit there, though details matter.[^5_1][^5_2]
## Walmart hours today
- The Hinsdale, NH Walmart Supercenter (store 1907) lists its holiday
hours as **open 6 a.m. to 6 p.m. on Dec 24** and **closed Dec 25**,
with normal 6 a.m.–10 p.m. hours otherwise.[^5_3][^5_4][^5_1]
## Deposit options at that Walmart
- Service Credit Union notes that the Hinsdale Walmart branch has a
**deposit‑taking ATM**, which should function as an in‑network ATM for
Service CU members.[^5_5][^5_6]
- Service CU also states you can deposit up to **\$1,000 cash at any
in‑person Walmart register via GreenDot** with a Service CU debit
card; that is for cash, not checks, so a check would need the ATM or
the staffed branch during its hours.[^5_6][^5_2]
<span
style="display:none">[^5_10][^5_11][^5_12][^5_13][^5_14][^5_15][^5_16][^5_17][^5_18][^5_19][^5_20][^5_21][^5_7][^5_8][^5_9]</span>
<div align="center">⁂</div>
[^5_1]: https://www.walmart.com/store/1907-hinsdale-nh
[^5_2]: https://servicecu.org/locations/hinsdale-walmart/
[^5_3]:
https://www.nj.com/business/2025/12/is-walmart-open-on-christmas-eve-2025-store-hours-for-dec-24-everything-to-know-before-you-go.html
[^5_4]: https://www.dealnews.com/features/walmart/holiday-hours/
[^5_5]:
https://www.facebook.com/ServiceCreditUnion/posts/our-hinsdale-branch-inside-walmart-opened-today-the-branch-is-located-at-724-bra/537021823001867/?locale=ar_AR
[^5_6]: https://servicecu.org/resources/faqs/
[^5_7]:
https://ppl-ai-file-upload.s3.amazonaws.com/web/direct-files/attachments/images/124688007/903efc72-d58a-483c-9e7a-7bb7d8330182/image.jpeg
[^5_8]: https://www.yelp.com/biz/wal-mart-hinsdale
[^5_9]:
https://www.usatoday.com/story/grocery/stores/2025/12/24/walmart-hours-christmas-eve-2025/87824284007/
[^5_10]: https://www.servecu.org/shared-branching
[^5_11]:
https://www.today.com/life/holidays/christmas-eve-store-hours-2025-rcna249672
[^5_12]: https://stpaulfcu.org/education/what-is-shared-branching/
[^5_13]:
https://www.marca.com/en/lifestyle/us-news/personal-finance/2025/12/12/693becaa268e3e8e028b4581.html
[^5_14]: https://servicecu.org/atms/
[^5_15]: https://servicecu.org/sitemap/
[^5_16]: https://www.walmart.com/store/1907-hinsdale-nh/shopping-services
[^5_17]:
https://servicecu.org/banking-for-military-members/how-does-shared-branching-work/
[^5_18]: https://www.facebook.com/Walmart1907/
[^5_19]:
https://us.atm.place/service-credit-union-hinsdale-branch-inside-walmart-442655
[^5_20]: https://www.facebook.com/groups/351525705886915/posts/1564384797934327/
[^5_21]:
https://servicecu.org/resources/blog/detail/military-life/wherever-life-takes-you-your-favorite-credit-union-is-close-by/
---
# I am not a member of service CU, though, I am in the coop credit
union network with Ancorum, do you think it would still work?
Yes, as an Ancorum member in the CO‑OP Shared Branch network, you
*should* be able to use a participating Service CU branch for
deposits, but not just any ATM.[^6_1][^6_2]
## How shared branching works
- Ancorum’s shared branching page says you can make deposits,
withdrawals, and other basic transactions at any CO‑OP Shared Branch
location by giving the teller your credit union name, account number,
and ID.[^6_2]
- CO‑OP Shared Branching means many credit unions act as each other’s
“physical branch”; when you see the CO‑OP Shared Branch logo at
Service CU, you can deposit to your Ancorum account at the counter
like at home.[^6_3][^6_1]
## What about ATMs at Service CU?
- Service CU is in CO‑OP and Allpoint ATM networks, but surcharge‑free
ATM access does **not automatically** mean you can do shared‑branch
**deposits** there; many shared‑branch deposits are
teller‑only.[^6_4][^6_5]
- Safest move:
- Use the CO‑OP Shared Branch locator (or call Service CU
Hinsdale) to confirm they are a CO‑OP Shared Branch and ask, “Can I
deposit a check to my Ancorum Credit Union account here today, and is
that at the teller or ATM?”[^6_1][^6_2]
<span
style="display:none">[^6_10][^6_11][^6_12][^6_13][^6_14][^6_15][^6_16][^6_17][^6_18][^6_19][^6_20][^6_21][^6_6][^6_7][^6_8][^6_9]</span>
<div align="center">⁂</div>
[^6_1]: https://sharedbranching.org
[^6_2]: https://ancorumcu.com/shared-branching
[^6_3]: https://www.friendsandfamilycu.com/shared-branches/
[^6_4]:
https://servicecu.org/banking-for-military-members/how-does-shared-branching-work/
[^6_5]: https://servicecu.org/atms/
[^6_6]:
https://ppl-ai-file-upload.s3.amazonaws.com/web/direct-files/attachments/images/124688007/903efc72-d58a-483c-9e7a-7bb7d8330182/image.jpeg
[^6_7]: https://servicecu.org/locations/
[^6_8]: https://servicecu.org/locations/hinsdale-walmart/
[^6_9]: https://sharedcooperativeservices.com
[^6_10]: https://www.pscunow.com/sharedbranch
[^6_11]: https://www.creditunion1.org/co-op-shared-branching/
[^6_12]: https://www.leomefcu.org/News/Introducing-Shared-Branching.aspx
[^6_13]: https://www.frmcu.com/personal-banking/frmcu-shared-branching/
[^6_14]: https://www.servecu.org/shared-branching
[^6_15]: https://www.bccu.org/locations/shared-branching
[^6_16]:
https://servicecu.org/resources/blog/detail/military-life/wherever-life-takes-you-your-favorite-credit-union-is-close-by/
[^6_17]: https://aneca.org/Services/Resources/CO-OP-Shared-Branches-ATM-Locator
[^6_18]: https://ancorumcu.com
[^6_19]: https://servicecu.org
[^6_20]: https://www.ccncu.com/about-us/atm-and-shared-branch-locations
[^6_21]: https://ancorumcu.com/education-credit-union-myths
