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OneAccount Overview

  OneAccount Description

The ASU OneAccount is a no minimum balance, no monthly fee, FDIC-insured checking account. All ASU students, faculty and staff have the option of opening an account.

  Benefits of the OneAccount

A few of the benefits include:

  • Every ASU student is pre-approved.
  • No minimum balance is required and there are no monthly fees.
  • It provides your fastest access to refund money.
  • It allows for purchases everywhere MasterCard is accepted.
  • Several ATMs are located on campus.
  • Online banking is available.

For more information about the ASU OneAccount, visit

  Possible Problems with a OneAccount

The issues that have been reported are all avoidable. Listed below are some of the problems and ways to avoid them.

  How to Avoid the Problem
Overdraft fees Keep track of your money. Make sure that you have the funds available before making a purchase. One of the best ways to avoid this problem is to use a transaction register. Write in all of your deposits and all of your purchases.
Foreign ATM fees Use only the Higher One ATMs on the ASU campus.
PIN-based transaction fees Select “Credit” when making a purchase. If the reader asks for your PIN after you swipe your card, you should be able to press the “Cancel” button to exit that screen. You should then be able to select “Credit.” You can also let the clerk know that you would like to pay using “Credit.”
Abandoned Account Fee Your OneAccount is NOT a savings account, so do not deposit money and let it sit there. If you do not intend to use the money in your OneAccount, you should withdraw the money at one of the ATMs, wire the money to another account, or have a check mailed to yourself. If you need help with any of these options, visit the ASU OneCard Office.

  Where to Use Your ASU OneCard and OneAccount

You can use your ASU OneCard and OneAccount anywhere Debit MasterCard is accepted – more than 31 million locations worldwide.

  How to Use Your ASU OneCard

On the Internet or Over the Phone
Make sure that your available balance, minus any pending withdrawals (such as checks you have written that have not cleared), is more than the purchase you are planning to make. We strongly suggest that you keep permanent records of your transactions when you make them.
When asked for a payment type, choose MasterCard. For your card number, enter the 16-digit number on the face of the card that begins with a 5. Usually the website will ask for the expiration date that is embossed on the card just above your name. On some occasions, you may be prompted to enter the security code, also known as a CVV2 code. The security code is printed on the back of your card. It is the last three digits that appear after the four-digit number in the signature panel. The signature panel is the white panel with MasterCard printed on it many times.

At a Restaurant or Other Business
Give your card to the server or cashier and wait for him/her to record the card information. Usually, this is done by swiping the card, but can also be done by making an impression of the card or writing the information. Next, you will be asked to sign a receipt for the transaction. Sometimes the receipt will have space available for you to add a tip.

At a store with a PIN pad
When using a PIN pad at a business, such as grocery store, give the card to the cashier for him/her to swipe or swipe the card yourself when directed. Often, you will be expected to select a type of payment by pressing a button on the PIN pad. Choose “Credit.” This means you will be signing for the transaction rather than entering a PIN. If you are asked to enter a PIN, you should be able to cancel out of the transaction and choose “Credit” instead. Next, you will be asked to sign for the transaction.

Remember, as long as you are not using a PIN, you will not be charged for the transaction. Make sure your available balance, minus any pending withdrawals, is more than the purchase you are making.

  Fees for PIN-based Purchases

Each time merchants accept a card for payment, they pay a small part of the purchase price to the bank that issued the card to cover the bank’s costs. If you use a PIN for the transaction, merchants pay less for the transaction than they would if you sign for the transaction. So to save yourself money, always swipe and sign when making a purchase.

  ATM Use

Using Your OneCard to Get Money at an ATM
Insert or swipe the card as indicated and follow the directions on the screen. When prompted for a transaction type, choose Checking Account Withdrawal. Remember, using your card at all Higher One OneAccount ATMs is free. If you use another ATM, you will be subject to a OneAccount fee and may be subject to an additional fee by the ATM owner.

Free ATMs on the ASU Campus

ASU has two ATM locations on campus where you can use your ASU OneCard to withdraw cash from your OneAccount for no fee:

  • MCS 111 Computer Lab
  • Mail Services, also known as the ASU Post Office (located in the UC across from the ASU Bookstore)

You can also use OneAccount ATMs located on other campuses. To find other locations, go to and select Easy Help.

Other ATM Withdrawals
Banks charge other banks a fee each time they allow the other bank’s customers to use their ATMs. These fees may vary in amounts. If possible, use Higher One OneAccount ATMs. You can even use OneAccount ATMs located on other campuses. For a listing of all OneAccount ATMs, log in to your OneAccount and search Easy Help.

Daily Withdrawal Limits
To protect against fraud, the amount of money that can be spent on a daily basis is limited. You can spend $2,500 via signature-based card transactions and $500 via PIN-based withdrawals. On some occasions, if parts of the technology systems are down, the daily limits may be lower. If you need to make a special purchase with your card that exceeds the daily limit, contact a customer service representative at 1-877-278-1919.

  Available Balance vs. Current Balance

Your available balance equals your current balance plus or minus any holds or pending transactions. For example, there are usually a few days between the time merchants receive authorization to withdraw funds and when they actually do it. During this time, funds to cover the anticipated amount of the transaction are held. Another example is for paper check deposits. It takes time from the date the check is deposited for the bank from which the check is drawn to release the funds. During this time, all of the deposit may not be available to spend.

  Availability of Deposits

Deposits to your OneAccount are available as soon as Higher One collects the money and, in some cases, sooner. For each type of deposit, the speed at which the money can be collected is different. For incoming wires and direct deposits of payroll or university refunds, the money is available immediately. However, if you deposit a paper check to your account, the full amount will not be available until the funds are released by the bank on which the check is written. As a courtesy, the first $100 of your check-based deposits will be available the next business day – this is money that is being made available to you before the other bank has released the funds. For more details on the exact schedule, see the Funds Availability Policy at

  Pending Card Transaction

When you use your card at merchant establishments, they usually ask the bank if there is enough money available to cover the purchase. If the transaction is approved, a pending debit will be placed on your OneAccount for the amount of the purchase. This pending card transaction does not yet contain details on the name or location of the merchant. When the merchant processes or completes the transaction, the amount of the purchase is debited from your OneAccount.

  Overdrawing Your OneAccount

In general, your OneAccount is designed to reduce the chances of an overdraft, but it is possible in some cases to overdraw your account. For questions or inquiries about your OneAccount and any transactions, contact a customer service representative at 1-877-278-1919.

  Closing Your OneAccount

Even when you are no longer a student at ASU, you can continue to use your ASU OneCard and OneAccount through the expiration date printed on the front of your card. If you decide that this option is not for you, call Higher One customer service at 1-877-278-1919.

  Resetting Your Log-in Name and Password

If you cannot remember either your log-in name (e-mail address) or your password, contact Higher One customer service at 1-877-278-1919.

If you remember your log-in name but not your password, you can reset your password at or you can contact Higher One customer service at 1-877-278-1919.

  Suspicious Purchase on Your Account

To report a claim on a transaction, please determine if it has posted to your account as an actual charge (and not a pending transaction). Unfortunately, pending card transactions do not yet contain details (like the identifier, name, and location of the merchant) that are required to initiate a claim. 

If you suspect that the pending card transactions are unauthorized, you will want to protect your account by canceling your card. Once the transactions post, you may initiate a claim on them and contact Customer Care for a free card.

If the transaction gets posted to your account as an actual charge, click on the “+” sign at the top left corner of the relevant line transaction(s) on your online statement. This action will further expand the line transaction with a short description of how it was performed and most importantly, provide the opportunity to report a claim on the transaction if it is one you do not recognize or did not authorize.

You will be prompted to answer questions related to your claim and also required to provide detailed information regarding the circumstances surrounding the transaction in which you are initiating a claim on. A claim number will be assigned to you at the end process. If it becomes necessary to download a claim form, you should submit your completed form as quickly as possible. If “unauthorized” activity is reported, Higher One may choose to cancel your card to prevent further possible fraud and abuse.

If it becomes necessary, you also contact Customer Care for assistance at the toll-free number listed on the back of your card between 8 a.m. and 11 p.m. EST (Monday to Friday).

Please note that claims can take up to 90 days to be resolved. However while it remains open for investigation, you will receive an email notification every 15 days informing you that the matter is still being researched. Unfortunately, a determination cannot be made on the fees associated with a reported claim transaction until the claim process is complete and has been ruled in your favor.

You may also fax your claim forms to the Claim Fax Number at 1-877-504-1999. If you do not have access to a fax or need to mail supporting documentation to Higher One, please come to the OneCard Office in the West Annex. We will be glad to fax or mail the information for you at no cost.

  Fees Associated with the OneAccount

Your OneAccount is a free checking account. You do not have to pay anything to have the account and there is no minimum balance required. The account is insured by the FDIC. If you open an OneAccount and select “Credit” when you use your card to make purchases and never spend more than you have in your account, you should not incur any fees.

Higher One makes various services available to you, and some of these services have a fee. Some of the services and fees are listed below.

  • First insufficient funds charge: $29
  • Subsequent insufficient funds charges within 12 months: $38 each
  • Cash advance fee: 3.5% ($5 minimum)
  • PIN-based transaction: 50 cents each
  • Abandoned Account fee (charged after 6 months with no transactions) with money in OneAccount: up to $10 per month (no fee on $0-balance accounts and fee will not overdraw accounts)
  • Non-Higher One ATM transaction fee (includes all withdrawals, inquiries and declines): $2.50 (domestic); $5 (international)
  • Outgoing wire transfer fee: $25 (domestic); $50 (international)

For a full listing of services and fees, log in to your account and select the “Fee Schedule” listed at the bottom of the ASUOneAccount pages.