Frequently Asked Questions
What are acceptable forms of identification?
Acceptable forms of identification include a state driver’s license (including state-issued temporary or provisional licenses with photos), state-issued identification card, military-issued identification card, U.S. or foreign passport, or another form of government-issued photo ID. All forms of identification must be valid (not expired). Only one form of identification needs to be presented to verify a person’s identity.
What forms of identification are not accepted?
A Social Security card, birth certificate, bank card (even if it has a photo), university identification card, utility bill or voter registration card are not acceptable to verify identity for Customer Identification Program (CIP) purposes. Any identification document that is expired is unacceptable.
What if I do not have an acceptable form of ID?
If you do not have one of the acceptable forms of identification, you may provide all of the following: your Social Security card, your birth certificate, a current utility bill with your name and address, and your signature.
What if my identification document expires tomorrow (or next month)?
The identification document must be valid as of the day you submit it. If it expires today (the day you are submitting it) or tomorrow, it is still valid. If it expired yesterday, it is not valid for ID verification purposes.
How is the security of my information ensured?
At ASU: All paper records are stored in a secure environment, and only authorized personnel have access to these records. Records are shredded when you activate your card.
At Higher One: All paper records are stored in a secure environment, and only authorized personnel have access to these records. All electronic data is stored in the same secure, encrypted manner as other electronic data collected by Higher One.
What will happen if I do not submit my information for verification?
If you do not submit the required information, a hold will be placed on your OneAccount. If you have a hold, you will not be able to access any funds in your account. This process complies with federal guidelines under the USA Patriot Act for unverified accounts.
If a hold is placed on your account, you will receive an e-mail stating that a hold has been placed because Higher One has been unable to verify your identity. This message will also ask you to log in to view your account online. When you log in, you will be directed to a page prompting you to re-enter some of the data you provided to Higher One during initial card activation. You will not be able to access all features of the website until this information is submitted. Once you provide Higher One with updated data, you will be able to enter the website.
- Within 24 hours after you submit updated information, Higher One will use this information to verify your identity. If Higher One is able to verify your information, the hold will be removed and no further requests for information from Higher One will be sent.
- If Higher One is not able to verify the information or if you do not enter updated information, then the hold will remain on your account until Higher One receives a copy of a valid government-issued ID from you. In this scenario, a notice will appear on the website asking for a copy of your valid government-issued ID. Once you acknowledge the notice and promise online to send Higher One a copy of a government-issued ID, you will be able to view account information on the website. However, the hold will remain on your account for access to funds until Higher One receives a copy of your valid government-issued ID. The account holder will also be contacted via e-mail and/or phone requesting this information.
- If you do not verify your information for 30 days or longer, you will not be able to acknowledge the notice and have access to the website. You will not be able to access the website until Higher One receives information sufficient to verify your identity. If you are in this situation, you will only be able to view a notice directing you to send Higher One a copy of a government-issued ID to verify your identity.
If an account holder remains unverified 20 days after opening and funding a OneAccount, he or she will have a hold placed on the account in compliance with the banking regulations. After opening an account online, each unverified account holder may be contacted via e-mail, telephone and/or the website and asked for verification information in a process similar to the one described above. A Patriot Act hold will not be placed on accounts until the account has been unverified for 20 days.