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A Guide to Services and Fees

It's important to understand how your account works. This guide lists the fees and key terms associated with your account. Some fees may vary by school program and account type. Please log in to see the fees associated with your specific account and learn about ways to manage your money responsibly.


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Effective December 16, 2015
Account
Usage

Use Higher One and Customers Bank ATMs to avoid ATM fees within the United States.

Fee Name Fee Explanation How to Avoid Fee
Minimum deposit to open account $0 There is no minimum opening deposit for the OneAccount. N/A
Monthly service fee $3.951

$0 for students OR with direct deposit of $100 or more per statement cycle
You will be charged a fee of $3.95 for each statement cycle unless you are a student or you have a direct deposit of $100 or more posted to your account during that statement cycle.

To determine your statement cycle, please review your checking account statement.
$0 monthly service fee when you are a student or direct deposit $100 or more per statement cycle.

Students are defined as those who have received a financial aid refund deposit to their checking account, serviced by Higher One, Inc., in the past 6 months or self-identified as a student on their program website. Students can also be identified by a Higher One client school as a student or as an employee.

A financial aid refund does not qualify as a direct deposit.
Higher One or Customers Bank ATM fee $0 There is no fee for using a Higher One or Customers Bank ATM. N/A
ATM cash withdrawal fee $2.50 at a non-Higher One ATM, or non-Customers Bank ATM.

(Plus any fees the ATM owner may charge)
You withdrew cash at a non-Higher One ATM or non-Customers Bank ATM. Make sure you use FREE Higher One or Customers Bank ATMs.
ATM balance inquiry fee $2.50 at a non-Higher One ATM or non-Customers Bank ATM. (Daily maximum of $2.50)

(Plus any fees the ATM owner may charge)
You made a balance inquiry at a non-Higher One ATM or non-Customers Bank ATM. Make sure you use FREE Higher One or Customers Bank ATMs.
ATM decline fee $2.50 at a non-Higher One ATM or non-Customers Bank ATM. (Daily maximum of $2.50)

(Plus any fees the ATM owner may charge)
Your transaction was declined at a non-Higher One ATM or non-Customers Bank ATM. Make sure you use FREE Higher One or Customers Bank ATMs.
Merchant PIN-based transaction $0.50 per transaction The fee will be charged for transactions when you select "debit" at checkout and enter your Personal Identification Number (PIN). Instead of entering your Personal Identification Number (PIN) at checkout, choose "credit" and sign the receipt to avoid the PIN fee.

If the merchant prompts you to enter your PIN, you may have to hit "cancel" to change the payment type to "credit".
 
Overdrafts

Higher One does not provide overdraft protection services. No insufficient or unavailable funds fees will be charged for any card transaction. Higher One will not authorize ATM withdrawals or one-time or recurring debit card transactions when there is not enough money in your account.

Insufficient funds fee for returned or paid item

(No insufficient funds fees on card transactions)
$29 per item An insufficient funds fee for returned/paid items occurs when you spend more money than is available in your OneAccount by making payments via an e-check, paper check, or ACH.

Higher One will not charge this fee when your end of day available account balance is overdrawn by $5 or less.
Sign up for our Mobile Alerts, track your purchases and pay special attention to purchases made with an e-check or a paper check, and via ACH.
Unavailable funds fee for returned or paid item

(No unavailable funds fees on card transactions)
$29 per item An unavailable funds fee for returned/paid items occurs when you deposit items that are uncollected, or a hold is placed on your OneAccount.

Higher One will not charge this fee when your end of day available account balance is overdrawn by $5 or less.
Sign up for our Mobile Alerts, track your purchases and pay special attention to purchases made with an e-check or a paper check, and via ACH.
Maximum number of insufficient funds/unavailable funds fees for returned or paid items charged per day. 3 charges per day The maximum number of insufficient/unavailable funds fees for returned or paid items charged is three per day. The same item may be submitted multiple times to your account. Sign up for our Mobile Alerts, track your purchases and pay special attention to purchases made with an e-check or a paper check, and via ACH.
 
Other
Fees
Stop payment fee $24.00 The fee will be charged for each stop payment of a check or electronic transaction. Do your best to keep your checks in a safe place to protect against loss or theft, keep track of checks that are written, and be sure you have sufficient funds in your account to cover outstanding checks or electronic transfers.
Card replacement fee $20.00 The fee will be charged for each replacement card order. Be sure to keep your card in a safe place.
Return deposit item fee $7.00 The fee will be charged for each deposit made into your account that does not clear the other bank. Do your best to confirm that someone who writes you a check has sufficient funds in their account. When adding money to your OneAccount, make sure that your other bank account contains enough funds to complete the transfer successfully. MoreLess
Personal check order fee $7.95 The fee will be charged for each order of 40 standard personal checks. Online Bill Pay is a FREE alternative to writing personal checks.
Official check fee $8.00 The fee will be charged for each official check sent by Higher One at your request. N/A
Teller withdrawal fee 3.5%
of withdrawal amount
The fee will be charged for using your card to make a cash withdrawal from a teller at a bank. Conduct Debit MasterCard signature (Swipe & Sign) transactions for all your purchases, or withdraw cash for free at a Higher One ATM. Click here for cash withdrawal limits.
International transaction fee 3% of transaction amount The fee will be charged for each card transaction at a merchant location outside the United States. N/A
Account research fee $25.00 per hour The fee will be charged for research conducted at your request regarding transaction activity or history on your account. This may include statement balancing. Keep copies of your account statements.
Outgoing wire transfer (domestic) fee $25.00 The fee will be charged for each transfer requested by you that is debited from your OneAccount and delivered to another U.S.-based bank account via wire. N/A
Green Dot® Reload @ the Register™ fee $4.95 or less Ask the cashier to add cash directly to your Higher One card at participating retailers. A fee of $4.95 or less is charged by Green Dot per deposit. This fee is paid at the register. You can add any amount from $20 to $500 per day as long as card limits are not exceeded. N/A
Expedited Online Bill Pay fee $4.95 Make a same business day electronic payment to select recipients set up to receive electronic payments. Your payment must be scheduled before the recipient's cutoff time on any business day and it will be electronically delivered that day. Use standard Online Bill Pay at no cost.
Additional Information
Processing
Policies
Posting order (the order in which deposits and withdrawals are processed) - summary Typically, we post credits first and will pay all other items by type in the date and time order of the transaction received unless a) it is a check or a converted check that contains a serial number or b) a date and time stamp is not present. Items with serial numbers will be paid in serial number order and items without date and time stamps will be paid in the order they are received.
 
Funds Availability Schedule

When funds deposited into your account are available. For more information please refer to the Funds Availability Policy contained in the Account Terms and Conditions. Paper checks mailed with a deposit slip to Higher One, Inc. (P.O. Box 9830, New Haven, CT 06536) will be made available the next business day after the check is received. For checks deposited via EasyDepositSM Mobile log in to access your Funds Availability Example.

Direct deposit Same business day
Green Dot® Reload @ the Register™ Same business day
Wire transfer Same business day
U.S. Treasury checks Next business day
State or local government checks Next business day
Cashier, certified, and teller's checks Next business day
Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders Next business day
Other paper checks Second business day
Other money orders (e.g. MoneyGram or Western Union) Second business day
EasyDepositSM Mobile Log in to access your Funds Availability Example
Transfer Money Log in to access your Funds Availability Example
  • In certain circumstances, we may delay the availability of all or a portion of the funds deposited to your account beyond the time frames listed above.
  • Please refer to the Funds Availability Policy for further information about delaying the availability of funds, or log in to your account and access the Funds Availability Example from your online statement.
 
Dispute Resolution Summary of agreement Your account is governed by the Account Terms and Conditions and Account Related Disclosures.
Please refer to this Agreement for complete account details.

1 The monthly service fee will only reduce an account to a zero balance, which may result in customers being charged less than $3.95 per statement cycle. The monthly service fee may be applied to the customer's account within 5 business days after the close of their monthly statement cycle.

Effective December 16, 2015
Account
Usage*
Fee Name Fee Explanation How to Avoid Fee
Minimum deposit to open account $0 There is no minimum deposit to open OneAccount Edge. N/A
Monthly service fee $4.95 You will be charged a fee of $4.95 for each statement cycle. To determine the statement cycle for your account, please review your checking account statement. (This is the only fee Higher One charges for this account). N/A
 
Other
Fees
Green Dot® Reload @ the Register™ fee $4.95 or less Ask the cashier to add cash directly to your Higher One card at participating retailers. A fee of $4.95 or less is charged by Green Dot per deposit. This fee is paid at the register. You can add any amount from $20 to $500 per day as long as card limits are not exceeded. N/A

* Please note: No other fees are charged by Higher One. OneAccount Edge account holders cannot perform outgoing wire transfers. No ATM fee for using a Higher One ATM or Customers Bank ATM. An ATM owner may charge a separate surcharge fee. OneAccount Edge account holders can only order 40 checks per 12 months.


Additional Information
Processing
Policies
Posting order (the order in which deposits and withdrawals are processed) - summary Typically, we post credits first and will pay all other items by type in the date and time order of the transaction received unless a) it is a check or a converted check that contains a serial number or b) a date and time stamp is not present. Items with serial numbers will be paid in serial number order and items without date and time stamps will be paid in the order they are received.
 
Funds Availability Schedule

When funds deposited into your account are available. For more information please refer to the Funds Availability Policy contained in the Account Terms and Conditions. Paper checks mailed with a deposit slip to Higher One, Inc. (P.O. Box 9830, New Haven, CT 06536) will be made available the next business day after the check is received. For checks deposited via EasyDepositSM Mobile log in to access your Funds Availability Example.

Direct deposit Same business day
Green Dot® Reload @ the Register™ Same business day
Wire transfer Same business day
U.S. Treasury checks Next business day
State or local government checks Next business day
Cashier, certified, and teller's checks Next business day
Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders Next business day
Other paper checks Second business day
Other money orders (e.g. MoneyGram or Western Union) Second business day
EasyDepositSM Mobile Log in to access your Funds Availability Example
Transfer Money Log in to access your Funds Availability Example
  • In certain circumstances, we may delay the availability of all or a portion of the funds deposited to your account beyond the time frames listed above.
  • Please refer to the Funds Availability Policy for further information about delaying the availability of funds, or log in to your account and access the Funds Availability Example from your online statement.
 
Dispute Resolution Summary of agreement Your account is governed by the Account Terms and Conditions and Account Related Disclosures.
Please refer to this Agreement for complete account details.
Effective December 16, 2015
Account
Usage

Use Higher One and Customers Bank ATMs to avoid ATM fees within the United States.

Fee Name Fee Explanation How to Avoid Fee
Minimum deposit to open account $0 There is no minimum opening deposit for the OneAccount Premier. N/A
Monthly service fee $5.951

$0 monthly service fee with direct deposit of $300 or more per statement cycle
You will be charged a fee of $5.95 for each statement cycle unless you have a direct deposit of $300 or more posted to your account during that statement cycle.

To determine the statement cycle for your account please refer to your checking account statement.
$0 monthly service fee when you direct deposit $300 or more per statement cycle.

A financial aid refund does not qualify as a direct deposit.
Higher One, Customers Bank or Allpoint network ATM fee $0 There is no fee for using a Customers Bank or Allpoint Network ATM.

N/A
ATM cash withdrawal fee $2.50 at a non-Customers Bank ATM or non-Allpoint Network ATM.

1 FREE per statement cycle2

(Plus any fees the ATM owner may charge)
You withdrew cash at a non-Customers Bank ATM or non-Allpoint Network ATM. Make sure you use FREE Customers Bank or Allpoint Network ATMs.
ATM balance inquiry fee $2.50 at a non-Customers Bank ATM or non-Allpoint Network ATM. (Daily maximum of $2.50)

(Plus any fees the ATM owner may charge)
You made a balance inquiry at a non-Customers Bank ATM or non-Allpoint Network ATM. Make sure you use FREE Customers Bank or Allpoint Network ATMs.
ATM decline fee $2.50 at a non-Customers Bank ATM or non-Allpoint Network ATM. (Daily maximum of $2.50)

(Plus any fees the ATM owner may charge)
Your transaction was declined at a non-Customers Bank ATM or non-Allpoint Network ATM. Make sure you use FREE Customers Bank or Allpoint Network ATMs.
 
Overdrafts

Higher One does not provide overdraft protection services. No insufficient or unavailable funds fees will be charged for any card transaction. Higher One will not authorize ATM withdrawals or one-time or recurring debit card transactions when there is not enough money in your account.

Insufficient funds fee for returned or paid item

(No insufficient funds fees on card transactions)
$29 per item An insufficient funds fee for returned/paid items occurs when you spend more money than is available in your OneAccount Premier by making payments via an e-check, paper check, or ACH.

Higher One will not charge this fee when your end of day available account balance is overdrawn by $5 or less.
Sign up for our Mobile Alerts, track your purchases and pay special attention to purchases made with an e-check or a paper check, and via ACH.
Unavailable funds fee for returned or paid item

(No unavailable funds fees on card transactions)
$29 per item An unavailable funds fee for returned/paid items occurs when you deposit items that are uncollected, or a hold is placed on your OneAccount Premier.

Higher One will not charge this fee when your end of day available account balance is overdrawn by $5 or less.
Sign up for our Mobile Alerts, track your purchases and pay special attention to purchases made with an e-check or a paper check, and via ACH.
Maximum number of insufficient funds/unavailable funds fees for returned or paid items charged per day. 3 charges per day. The maximum number of insufficient/unavailable funds fees for returned or paid items charged is three per day. The same item may be submitted multiple times to your account. Sign up for our Mobile Alerts, track your purchases and pay special attention to purchases made with an e-check or a paper check, and via ACH.
 
Other
Fees
Stop payment fee $24.00 The fee will be charged for each stop payment of a check or electronic transaction. Do your best to keep your checks in a safe place to protect against loss or theft, keep track of checks that are written, and be sure you have sufficient funds in your account to cover outstanding checks or electronic transfers.
Campus card replacement fee $20.00 The fee will be charged for each replacement card order. Be sure to keep your card in a safe place.
Return deposit item fee $5.00 The fee will be charged for each deposit made into your account that does not clear the other bank. Do your best to confirm that someone who writes you a check has sufficient funds in their account. When adding money to your OneAccount Premier, make sure that your other bank account contains enough funds to complete the transfer successfully. MoreLess
Personal check order fee $7.95 The fee will be charged for each order of 40 standard personal checks. Online Bill Pay is a FREE alternative to writing personal checks.
Official check fee $10.00 The fee will be charged for each official check sent by Higher One at your request. N/A
Teller withdrawal fee 3.5% of withdrawal amount The fee will be charged for using your card to make a cash withdrawal from a teller at a bank. Conduct Debit MasterCard signature (Swipe & Sign) transactions for all your purchases, or withdraw cash for free at a Higher One ATM. Click here for cash withdrawal limits.
International transaction fee 3% of transaction amount The fee will be charged for each card transaction at a merchant location outside the United States. N/A
Account research fee $25.00 per hour The fee will be charged for research conducted at your request regarding transaction activity or history on your account. This may include statement balancing. Keep copies of your account statements.
Outgoing wire transfer (domestic) fee $25.00 The fee will be charged for each transfer requested by you that is debited from your OneAccount and delivered to another U.S.-based bank account via wire. N/A
Green Dot® Reload @ the Register™ fee $4.95 or less Ask the cashier to add cash directly to your Higher One card at participating retailers. A fee of $4.95 or less is charged by Green Dot per deposit. This fee is paid at the register. You can add any amount from $20 to $500 per day as long as card limits are not exceeded. N/A
Expedited Online Bill Pay fee $4.95 Make a same business day electronic payment to select recipients set up to receive electronic payments. Your payment must be scheduled before the recipient's cutoff time on any business day and it will be electronically delivered that day. Use standard Online Bill Pay at no cost.
Additional Information
Processing
Policies
Posting order (the order in which deposits and withdrawals are processed) - summary Typically, we post credits first and will pay all other items by type in the date and time order of the transaction received unless a) it is a check or a converted check that contains a serial number or b) a date and time stamp is not present. Items with serial numbers will be paid in serial number order and items without date and time stamps will be paid in the order they are received.
 
Funds Availability Schedule

When funds deposited into your account are available. For more information please refer to the Funds Availability Policy contained in the Account Terms and Conditions. Paper checks mailed with a deposit slip to Higher One, Inc. (P.O. Box 9830, New Haven, CT 06536) will be made available the next business day after the check is received. For checks deposited via EasyDepositSM Mobile log in to access your Funds Availability Example.

Direct deposit Same business day
Green Dot® Reload @ the Register™ Same business day
Wire transfer Same business day
U.S. Treasury checks Next business day
State or local government checks Next business day
Cashier, certified, and teller's checks Next business day
Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders Next business day
Other paper checks Second business day
Other money orders (e.g. MoneyGram or Western Union) Second business day
EasyDepositSM Mobile Log in to access your Funds Availability Example
Transfer Money Log in to access your Funds Availability Example
  • In certain circumstances, we may delay the availability of all or a portion of the funds deposited to your account beyond the time frames listed above.
  • Please refer to the Funds Availability Policy for further information about delaying the availability of funds, or log in to your account and access the Funds Availability Example from your online statement.
 
Dispute Resolution Summary of agreement Your account is governed by the Account Terms and Conditions and Account Related Disclosures.
Please refer to this Agreement for complete account details.

1 OneAccount Premier account holders will be charged $5.95 per statement cycle. The monthly fee will be applied to the customer's account within 28 business days after the close of their monthly statement cycle. If the account holder performs a direct deposit of $300 or more per statement cycle, the $5.95 monthly service fee will not be assessed. A financial aid refund does not qualify as a direct deposit.

2 OneAccount Premier account holders will receive 1 non-Higher One ATM withdrawal fee reimbursement per statement cycle. Reimbursement only applies to domestic ATM withdrawals. A credit will be applied to a customer's account within 5 business days after the close of their monthly statement cycle. The account must be open to receive the credit. Any additional non-Higher One, non-Customers Bank, or non-Allpoint Network ATM transactions are subject to the standard non-Higher One ATM fee. ATM owner may charge a separate fee.