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Refund Choice Card -
Frequently Asked Questions
What is the purpose of the Refund Choice Card?
The Refund Choice Card is used as a means to distribute excess financial aid and other refunds to students. The student must choose their preference for receiving their refunds. Students have a choice of one of the following:
OneAccount with Higher One - Same business day deposit to a checking account, serviced by Higher One, Inc. Money deposited to the account the same business day funds are released by UND to Higher One. Please visit UNDRefundChoiceCard.com to learn more about the OneAccount.
ACH (direct deposit) - This preference transfers the refund into the student's existing U.S. bank account. This preference takes approximately 2-3 banking days to credit to the student's bank account.
How do I get my Refund Choice Card?
New students at UND will be mailed their Refund Choice Card to their Home address as listed in Campus Connection within 2 weeks of your enrollment for the first time at UND.
What happens to my refunds if I don’t select my refund preference?
It is recommended to select a refund preference to ensure the fastest delivery of your refund. If you choose to not select your refund preference and an excess financial aid refund or other refund is issued, you will receive an email notification that your refund is available. Within 21 days from the date of the email notification, a check would be issued by Higher One and mailed to the address UND provided to Higher One. This is the address used at the time the Refund Choice Card was issued to you. In addition to the 21 days, you will need to allow for mailing time. There is no cost to the student for the paper check, however remember faster refund choices are available to you, One Account with Higher One and/or ACH (direct deposit) to any bank account you already use.
If you have not received a Refund Choice Card within 2 weeks of enrolling in classes at UND for the first time, please contact the Student Account Services Office, as it may indicate an incorrect address on file.
What does activating the Refund Choice Card mean?
The Refund Choice Card is the “key” to selecting your refund preference on the Higher One website, UNDRefundChoiceCard.com. The Refund Choice Card number identifies the student in the Higher One system. Entering the card number allows the student to complete their preference for receiving refunds. Students have the choice of having their refunds disbursed by ACH (direct deposit) to their existing bank account or to their OneAccount with Higher One.
Is the Refund Choice Card a credit card?
No it is not a credit card, the Refund Choice Card may be used as a Debit MasterCard® if the student chooses the OneAccount with Higher One as their refund preference. The Refund Choice Card is required in order to select the student’s refund preference to obtain excess financial aid and other refunds from UND. During activation, the student must identify their preference for receiving their refunds. See FAQ #1 for available refund options.
Am I required to open a OneAccount with Higher One?
No, you may continue to have your excess financial aid and other refunds transferred via ACH (direct deposit) to your existing bank account. However, in order for you to do so, you will need to use your Refund Choice Card to indicate your refund preference on UNDRefundChoiceCard.com.
Are there any fees associated with the Refund Choice Card?
If you select your refund preference to be ACH (direct deposit) to your existing bank account, there are no fees associated with your Refund Choice Card.
If you select your refund preference as the OneAccount with Higher One, there are generally no fees associated with the account. The OneAccount is designed to be free. Higher One provides a link on the main page named, ‘How to use the OneAccount for free’, as well as a link to the ‘One Account Banking Fee Schedule’. However, Higher One does have fees similar to those at other banking institutions for additional fee based services. Some include: fees associated with overdrafts, wires, and transactions at non-Higher One ATM’s. Please Note: A complete disclosure of all fees associated with Higher One banking transactions is located at UNDRefundChoiceCard.com on the Higher One fee schedule.
Where are the Higher One ATM's located and what are the hours of operation?
The Higher One ATM’s are located in Wilkerson Hall, the Memorial Union, and the Wellness Center. The building hours of operation at each of these locations are:
Sunday through Saturday, 8am to midnight
Fall / Spring Hours
24 hours a day / 7 days a week
Monday - Friday, 7am to 5:30pm
Saturday and Sunday, Closed
Monday - Thursday, 7am to midnight
Friday and Saturday, 7am to 9pm
Sunday, 11am to midnight
What are the advantages of having my refunds deposited directly to a OneAccount with Higher One?
Depositing your refund to a OneAccount with Higher One is the quickest way to gain access to your money. To open a OneAccount, activate and choose same business day deposit to a Higher One checking account. After your UND charges have been paid, excess financial aid or other refunds will be released by the University and directly deposited to your OneAccount.
The Refund Choice Card is NOT A CREDIT CARD. It is a debit card. You may use the Refund Choice Card to make purchases at all participating merchants that accept Debit MasterCard® including the bookstore on campus, access cash at an ATM, pay bills, and so much more.
Your family and friends can easily send you money online with the Send Money feature. There is a minimum transfer amount of $25 per transaction when family or friends send you money. If you choose to transfer money from one of your existing bank accounts to your OneAccount with Higher One, there is a minimum transfer amount of $50 per transaction. You should review your existing bank's fee schedule to determine if your bank assesses fees for this type of transaction.
There is no charge to you for receiving your refund directly in your OneAccount and there is no monthly fee or minimum balance requirement.
Can I use my Refund Choice Card to pay online via Campus Connection?
Yes. If you choose the OneAccount with Higher One as your refund preference, you may make an online payment to your Campus Connection account using the OneAccount. We recommend using the E-Check method of payment using your OneAccount banking information. To obtain the banking information for your OneAccount:
- Obtain the bank routing and account number from your free online statement on the Refund Choice Card website. If you are having difficulties finding this information, contact Higher One Customer Service at 1-800-815-8274 for assistance.
- After obtaining your OneAccount bank routing and account number, log into Campus Connection and pay online for FREE using the E-check method of payment.
Your Refund Choice Card may also be used as a Debit MasterCard®. If you make an online payment to your Campus Connection account using any debit card, you will be assessed the 2.75% convenience fee (not Higher One specific). We recommend that you use the E-Check method of payment, mentioned above, to avoid these fees.
If I have decided not to select a refund preference and wait for a paper check, is it possible to request that Higher One discontinue contacting me by phone to remind me to select a refund preference?
Students can contact Higher One Customer Service, 1-800-815-8274, to request that their phone number be removed. They can also contact UND Student Account Services for assistance in removing their phone number with Higher One.
Students that have made a refund selection may also manually update their information or remove their phone number by logging in to the site UNDRefundChoiceCard.com
Can I close my OneAccount with Higher One?
Yes, you can close your OneAccount with Higher One, but a zero balance is required. Accounts with negative or positive balances cannot be closed. For additional information on how to close your account and various methods for bringing your balance to zero, please refer to UNDRefundChoiceCard.com.
Is my U-card the same as my Refund Choice Card?
No, your U-card is your official UND Identification card. The Refund Choice Card is used for selecting your refund preference. You will need to maintain 2 different cards during your time at UND.
Is UND in compliance with FERPA regulations while transferring information to Higher One?
Yes. The University must not release FERPA information without written consent by the student and the student may restrict directory information; however, there are exceptions to this rule. School officials who have a legitimate need to know need not seek consent. Higher One is exempt from the written consent rule because it is a school official performing a business function on behalf of the University. In other words pursuant to FERPA, even if you block directory information, the University would be able to share information with Higher One.
Who is Higher One?
Higher One is a financial services company dedicated to serving higher education institutions and their students, faculty, staff, and alumni. Higher One believes in creating customized products to meet the needs of these customers. Higher One is led by a group of executives who have many years of experience in banking, higher education, and technology. Learn more about Higher One.