Fee Schedule

The OneAccount is meant to be used for free. If you track your purchases, are careful to not overdraw, and remember to "swipe and sign," you should be able to use your account for free. We have created a guide to help you - How to use the OneAccount for Free. Like all checking accounts, there are some normal fees associated with extra services. Higher One does our best to offer as many free services as we can. When we must charge a fee for a special service, we make sure that the fee is competitive, fully disclosed and easily understood. If you have a question about a fee on the schedule below, just click on it for an explanation.

OneAccount - It's designed to be FREE!

Effective as of June 24, 2008

Service	No Fees
Monthly Service Charge	No Charge
Minimum Balance Charge	No Minimum Balance
Check Writing	FREE
Electronic Statements (Standard / Default Choice)	FREE
Higher One ATM Transaction	FREE
Signature Debit MasterCard® Transactions	FREE
Online Bill Payment Service	FREE with direct deposit or $1,000 min. balance
Incoming Wire Transfer (Domestic)	FREE
Incoming Wire Transfer (International)	FREE
Deposit to OneAccount	FREE
First Copy of Checks, Deposited Items and Statements	FREE
Research and Legal Service	First hour FREE. More by arrangement.
Send Money	FREE

Additional Fee Based Services

Effective as of June 24, 2008

Service	Fees
Merchant PIN Based Transaction	$0.50 each
Non Higher One ATM Transaction Fee (includes all withdrawals, inquiries and declines)	$2.00
First Insufficient or Uncollected Funds Charge (in 12 months)	$29.00
Subsequent Insufficient or Uncollected Funds Charges	$35.00
Lost Card Replacement	Varies per program
Paper Statements (Optional Choice)	$3.00 per month
Online Bill Payment Service	FREE with direct deposit or $1,000 min. balance Unlimited payments $4.95 per month Electronic payments $.29 per transaction Paper check payments $.69 per transaction
9 Month Inactivity Fee with money in OneAccount Inactivity fee charged after 9 months of no transactions. No fee on $0-balance accounts and fee will not overdraw account.	$19.00 per month
Cash Advance Fee	2% ($5.00 minimum)
Stop Payment Fee	$28.00
Return Deposit Item Fee	$5.00
Multiple Copies of Checks, Deposited Items and Statements	First One FREE. Multiple by arrangement.
Official Checks	$10.00
Outgoing Wire Transfer (Domestic)	$25.00
Outgoing Wire Transfer (International)	Market Rate
International Transactions Fee	2%
Delinquent Account Collection or Abandoned Property Transfer Fee	$50.00
Lack of Documentation Fee	Up to $50.00