1. What is the purpose of the UND Pride Card?

The UND Pride 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:

Easy Refund to the OneAccount - This preference credits the student's OneAccount with Higher One on the same day the refunds are processed by UND. The OneAccount also offers many features for the student. Please visit UNDPrideCard.com to learn more about the OneAccount.

Direct deposit (ACH transfer) - This preference transfers the refund into the student's existing bank account. This preference takes approximately 2-3 banking days to credit to the student's bank account.

2. 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 authenticate your UND Pride Card and an excess financial aid 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 UND Pride Card was issued to you.  In addition to the 21 days, you will want to allow up to 7 additional days for mailing time.  There is no cost to the student for the paper check, however remember faster refund choices are available to you, including the UND Pride Card and/or ACH to any bank account you already use.

If you have not received a UND Pride Card by this time (currently September 18, 2008), please visit the Student Account Services Office on campus as it may indicate an incorrect address on file.

Please note: If the type of refund is not an excess financial aid refund (ex. Student Health refund, Parking refund, etc.), you will not receive a check within 21 days and will want to make a refund choice through the UND Pride Card program.

3. What does activating the UND Pride Card mean?

The UND Pride Card is the “key” to the Higher One website.  The UND Pride Card number identifies the student in the Higher One system.  Entering the card number allows the student to get started with the card registration process, which is where the student chooses their preference for receiving refunds.  Students have the choice of having their refunds disbursed by direct deposit (ACH transfer) to their existing bank account or by “Easy Refund” to a OneAccount with Higher One. 

4. Can I opt out of receiving my refunds via UND Pride Card?

No. UND has contracted with Higher One to issue excess financial aid and other refunds to UND students.   Although you are not required to open a OneAccount with Higher One, you will need to use your UND Pride Card for selecting one of the following for receiving your refunds:

• Easy Refund to the OneAccount from Higher One. 
• Direct deposit (ACH transfer) to your existing bank account.

5. If a paper check is issued by Higher One to an incorrect address, will the check be forwarded by the post office if the student is having their mail forwarded?

No, checks issued by Higher One are not forwarded by the post office. The check would be returned to Higher One and the student would be notified via email from Higher One. Please contact Higher One customer service for assistance.

• Online Customer Support - EasyHelp
• Call Higher One Customer Service at 1-866-309-7454

6. If a paper check is issued and the student loses the check or never receives it, what should they do?

Please contact Higher One customer service at 1-866-309-7454 for assistance. Higher One will assist you to ensure you receive your refund payment.

7. If I previously had direct deposit (ACH) set up with UND, do I still need to activate the UND Pride Card if I would still like my refunds to be direct deposited to my existing bank account?

Yes, you will still need to go to UNDPrideCard.com and select your refund preference.  When indicating your refund preference, you will be asked to provide your bank routing number and account number.  Please Note: The banking information that was previously on file with UND was not provided to Higher One.

8. If I chose to have my refund direct deposited, Higher One requires a direct deposit (ACH) form be submitted. What are my options for submitting my direct deposit (ACH) form to Higher One?

There are several options available to submit the direct deposit (ACH) form to Higher One:

1.  Drop the ACH form in the Higher One Communication Box that is located in the Memorial Union, next to the Higher One ATM machine.  The contents of the Higher One Communication Box will be packaged and sent to Higher One via overnight courier.

2.  Drop the ACH form off at Student Account Services, located in Twamley Hall, Room 204. They will send the form to Higher One via overnight courier. 

3.   Fax the ACH form to Higher One at 1-866-309-7443.   This is a secure server and access is limited to only those who require access as part of the processing.  You would still need to send the original form to Higher One (option 1,2 or 4).

4.  Mail the ACH form directly to Higher One.

9. Is the UND Pride Card a credit card?

No, the UND Pride Card may be used as a Debit MasterCard® if the student chooses the OneAccount as their refund preference.  It is NOT a credit card.  The UND Pride 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.

10. Am I required to bank with Higher One and open a OneAccount?

No, you may continue to have your excess financial aid and other refunds direct deposited (ACH transfer) to your existing bank account.  However, in order for you to do so, you will need to activate the UND Pride Card and indicate your refund preference.

11. Am I required to use the UND Pride Card as a Debit MasterCard®?

No, you may continue to have your excess financial aid and other refunds direct deposited (ACH transfer) to your existing bank account.  However, you will want to activate the UND Pride Card and indicate your preference to do so. By selecting the option of ACH transfer to your existing bank account, the UND Pride Card does not serve as a Debit MasterCard®.

12. Are there any fees associated with the UND Pride Card?

If you select your refund preference to be a direct deposit (ACH) to your existing bank account, there are no fees associated with your UND Pride Card.

Additionally, if you select your refund preference to be “Easy Refund” to the OneAccount, 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 UNDPrideCard.com on the Higher One fee schedule.

13. If I choose the OneAccount with Higher One and want to use it at ATM’s or other establishments that accept MasterCard, will there be any hidden fees?

You may use the UND Pride Card at one of the three Higher One ATM’s located on UND’s Campus (Wilkerson Hall, Memorial Union, Southwest Tower of Parking Garage), it is free to access cash.

You may use your UND Pride Card at any ATM that is supported by Cirrus, Pulse, or MasterCard (some ATM's are not approved on the network used by Higher One). Please remember that you will be charged a withdrawal fee from Higher One and the bank that owns the non-Higher One ATM. A complete list of fees that could be incurred while using your OneAccount is located at https://undpridecard.higheroneaccount.com/info/outfees.jsp.

***IMPORTANT*** When making a non-Higher One ATM withdrawal using your UND Pride Card, you will need to select "checking" as the withdrawal source.

If you open a OneAccount, you may use your UND Pride Card as Debit MasterCard®. The daily PIN-based transaction limit is $500. So, if a student withdraws ATM cash and uses the card as debit, PIN-based, all of those transactions would be limited to $500/day. To avoid a PIN-based transaction fee and to have the protection of the MasterCard Zero Liability Policy when making purchases, always remember to "Swipe and Sign." It's free, and to do so:

• Swipe your card
• Select credit (not debit)
• Sign

14. Where are the Higher One ATM's located?

The Higher One ATM’s are located in Wilkerson Hall, the Memorial Union, and the Parking Garage.  The building hours of operation at each of these locations are:

Wilkerson Hall

Summer Hours
Sunday through Saturday, 8am to midnight

Fall / Spring Hours
24 hours a day / 7 days a week

Holidays:  CLOSED       

Memorial Union

Fall/Spring Hours
Monday - Thursday, 7am to midnight
Friday and Saturday, 7am to 9pm
Sunday, 11am to midnight

Holidays: CLOSED

Parking Garage
Open 24 hours a day / 7 days a week

15. If I choose to open a OneAccount with Higher One, will I receive monthly interest on my account balance?

No, Higher One does not pay monthly interest on your account balance.  Instead, they do not require a minimum balance on the account and there are other features associated with the account that are free. 

16. If I select my refund preference to be “Easy Refund” (OneAccount with Higher One), can I transfer my refund to my existing bank account once the refund has been deposited to my OneAccount? 

If it is your wish to have money deposited into your current bank account, you will want to choose the ACH transfer option during the activation/registration process.  It is not possible to ACH money from your OneAccount to another checking account. You may choose to send money to another account by using the wire transfer feature.  There is a fee associated with this option.  To learn more about the OneAccount, please visit www.UNDPrideCard.com.

17. Can I use my UND Pride Card as a Debit MasterCard® if I didn't choose the Easy Refund (OneAccount) refund preference?

No, your UND Pride Card will have no monetary value if you did not choose the Easy Refund (OneAccount) refund preference. The UND Pride Card can only be used for purchases and cash withdrawals if you choose to open a OneAccount. You are responsible for ensuring that there are adequate funds available in your OneAccount to cover your purchases and cash withdrawals. The daily PIN-based transaction limit is $500. So, if a student withdraws ATM cash and uses the card as debit, PIN-based, all of those transactions would be limited to $500/day. The daily purchasing limit using your UND Pride Card is $2500 (Not PIN-based transactions). Please visit UNDPrideCard.com for more information on the Easy Refund and the OneAccount.

18. I switched my refund preference from the Easy Refund (OneAccount) to ACH transfer (direct deposit to my existing bank account), will the refund money that has already been deposited into my OneAccount be taken out and put into my existing bank account?

No, once the refund has been deposited into the refund preference that was in effect at the time the refund was issued, it does not automatically move to a different account if your refund preference is changed. The new refund preference selected will be effective for all future refunds issued.

19. What are the advantages of having my refunds deposited directly to a OneAccount?

Depositing your refund to a OneAccount is the quickest way to gain access to your money.  To open a OneAccount, activate and choose Easy Refund.  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 UND Pride Card is NOT A CREDIT CARD.  It is a debit card.  You may use the UND Pride 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, 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.

20. How will I know when my financial aid or other refund has been directly deposited to my OneAccount?

You will receive an email from Higher One when the refund has been directly deposited to your OneAccount.  Additionally, you will be able to view the details of your OneAccount by accessing your OneAccount statement on the website, or opt-in to receive a text message directly to your cell phone with Mobile Alerts.

21. Is there a replacement card fee?

Yes, if you lose your card, a $20 fee will be assessed for a replacement.  Also, if you need to make a name change on your card, you will be charged a $20 fee for a new card.  If you need a replacement card, you may either:

1. Log into UNDPrideCard.com and select Customer Service > Lost Card, then follow the procedure for ordering your new card
2. Contact UND Student Account Services Office for assistance

Once the replacement card is ordered, it will take approximately 5-7 days to receive by mail.  It will be mailed to the primary address provided to Higher One at the time you order the replacement card.

22. Can I use my UND Pride Card to pay online via Campus Connection? 

Yes.  If you choose the OneAccount 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:

1. Please take the routing and account number from your free online statement on the UND Pride Card website.  If you are having difficulties finding this information contact Higher One customer service at 1-800-815-8274 and they will assist you in finding these numbers.
2. After obtaining your OneAccount routing and account numbers, log into Campus Connection and pay online for FREE using the E-check method of payment. 

Your UND Pride 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. 

23. What is the Communication Box and where is it located?

The Communication Box is a locked box that can be used for submitting documents and deposits (no cash deposits) to Higher One.  This would include the direct deposit (ACH) forms that are required to be submitted to Higher One.  The Communication Box is located in the Memorial Union next to the Higher One ATM machine, near the Internet Cafe.  Documents submitted in the Communication Box will be sent to Higher One three times per week via overnight courier.

24. If I currently have my payroll direct deposited (ACH) to my existing bank account, does activating the UND Pride Card and selecting a refund preference affect my payroll direct deposit information?

No, your payroll direct deposit will not be affected.  Selecting a refund preference with the UND Pride Card only applies to excess financial aid and other refunds on your Campus Connection account.

25. What if I determine that my UNDPride Card was mailed to a wrong address? Will it be forwarded to my new address if I had submitted a "mail forwarding request" with the Post Office?

No.  UND Pride Cards will not be forwarded to a different address, even if a mail forward instruction was submitted at the post office.  Instead, the cards will be returned to Higher One.  An amnesty period was offered for students who requested a replacement card during the period August 20, 2008 through September 20, 2008 to avoid a replacement card fee.  If a replacement card is requested outside these dates, the student will be charged a $20 replacement fee.

26. If I have already selected to have my refund preference be direct deposited to my existing bank account and need to have my next refund the same day, can I change my refund preference to Easy Refund in order to get my refund quickly and then change it back to direct deposit to my existing bank account?

Yes, but only if the refund has not yet been processed by Higher One.  If the refund has not yet been processed by Higher One, you may change your  refund preference on UNDPrideCard.com.  After receiving your refund into your OneAccount, you may either leave your refund preference as Easy Refund or change it back to direct deposit to your existing account.  If you then choose to change your refund preference back to the same bank account that was previously indicated, you will not need to submit another ACH form.

27. If I selected to have my refund direct deposited, but need to purchase my books prior to receiving my refund, what are my options for paying for my books?

If you are receiving financial aid, you are allowed to charge your books at the Barnes and Noble Bookstore from Friday, August 22, 2008 through Wednesday, September 3, 2008.

28. Can I close my OneAccount?

Yes, you can close your OneAccount, 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 the UNDPrideCard.com. https://undpridecard.higheroneaccount.com/easyhelp/pta?basepage=std_alp.php&type=public

29. Will activating the UND Pride Card affect my credit report?

No, the UND Pride Card is NOT a credit card.  Credit report inquiries are not initiated when the student activates the UND Pride Card or when the student indicates a preference for receiving their refunds.  The student’s credit report will only be affected if, after opening a OneAccount, the student misuses their OneAccount, similar to other banking relationships.  Be sure to read the terms and conditions online for more details.

30. 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.

31. 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.

32. Why did UND contract with Higher One to issue excess financial aid and other refunds?

The University of North Dakota was interested in expanding electronic funds disbursements in order to provide students a faster way to receive their excess financial aid and other refunds.  In addition, UND was also interested in streamlining the refund process, which currently is labor intensive, costly, and inefficient.  By streamlining the process, Student Account Services staff will be able to spend their time providing quality customer service to our students.

Since there are students that are unable to obtain a bank account, UND needed a vendor that could provide those students an account to receive their refunds electronically.   

In addition, UND did not want to encourage the use of credit cards.  Higher One offered those students selecting the OneAccount a Debit Mastercard®, not a credit card. 

Higher One’s clear focus on higher education, experience with other schools and their expertise in navigating the changing regulations governing the disbursement of financial aid were some of the reasons Higher One was selected. 

33. Was Student Government involved in the review process for Higher One?

Yes, Higher One representatives visited with student groups and administrative offices to provide information and seek input from students and UND departments on the services they offer.  The Student Government meeting was held on Jan 31, 2008 at 3:30pm and the Association of Residence Halls meeting was held on January 31, 2008, at 5:00pm.  After the meetings, feedback was requested from these groups.

34. What if I have additional questions?

View an activation demo and get answers to other questions online by visiting UNDPrideCard.com/easyhelp, or contact the UND Student Account Services Office at
701-777-3911 or via email at studentaccounts@mail.und.nodak.edu.