Account Choices

The idea of the OneAccount came from three college students who wanted to design a checking account for college life. They understood the unique challenges students face on campus and built a service based on choice. When it comes to student's money, we know that one size does not fit all; that’s why we’re proud to offer three checking account choices for every stage of the game.


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Great features on the house with the OneAccount, our full service checking account with no monthly fee for students and tons of great features.


  • No monthly service fee for students or $100 in monthly direct deposit; otherwise $3.95
  • OneRewards cash back program
  • Innovative mobile features such as text balance alerts and mobile deposits for iPhone and Android smartphones
  • Access to, a site providing tips, tools and videos on financial literacy, responsible spending and smart saving from our resident Consumer Advocate
  • Convenience to stop any new debit card transactions without canceling card using the optional on/off switch
  • Free Online Bill Pay

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1 OneAccount account holders will be charged $3.95 per month.  The monthly service fee will be applied to the customer’s account within 5 business days after the close of their monthly statement cycle.  If the account holder is a student, as defined below, or performs a direct deposit of $100 or more per month, the $3.95 monthly service fee will not be assessed. A financial aid refund does not qualify as a direct deposit. Students are defined as those who have received a financial aid refund deposit to their Higher One checking account in the past 6 months or self-identified as a student on their program website.

See Fee Schedules for further details.

Accounts held at Customers Bank, Member FDIC, Equal Housing Lender and WEX Bank, Member FDIC.

The Higher One Debit MasterCard® is issued by WEX Bank pursuant to license from MasterCard International Incorporated. The card is administered by Higher One, Inc.

©2013 Higher One, Inc. All Rights Reserved.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. All other names and logos are owned by their respective owners.

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