FHDA Money Card
FAQs about Higher One FHDA Money Card
Why Refer Me to the Fee Schedule?
We refer you directly to the Fee Schedule, because fees are
subject to change at any time. Checking the Fee Schedule ensures that you will
always have the most up-to date information.
How can I Avoid PIN Fees and Non-Higher One ATM Fees?
The OneAccount provides you with quick and easy access to your money.
You can avoid the above fees by simply:
- Making a Swipe & Sign transaction...choosing 'credit' at the register to avoid PIN Fees.
- Using a surcharge free Higher One ATM.
Is there a fee to use a Non-HigherOne ATM?
Yes, you will be charged a fee each time you use a non-A. Higher One ATM for:
- Cash withdrawals.
- Balance inquiries.
- Transaction declines.
Please be aware that you may also be charged by the financial institution that owns the ATM.
This fee is separate from the one that you will be charged by Higher One, and will be
displayed on the ATM screen. You can avoid ATM fees by using a Higher One ATM or swipe
your card as "credit" for purchases.
What are ATM Fees?
Simply put, ATM fees reimburse the bank that owns the ATM. ATM fees are
charged by banks when non-accountholders use their ATMs, or when bank accountholders use
another bank's ATM.
Don't want to pay extra fees? There are plenty of Higher One ATMs that you can use
for free along with ways to Use Your Account for Free.
What is the PIN Based Transaction Fee?
The PIN Based Transaction fee is assessed whenever a point-of-sale
transaction requires the entry of your Personal Identification Number (PIN). Therefore, we
strongly recommend the use of your card in 'credit' mode. 'Credit' mode requires you
to swipe the card and sign your receipt. It is a clever way to avoid paying PIN Based
Is there a Fee for Official Checks?
Yes, there is a fee for official checks. For more information
on this and other fees, please visit the Fee Schedule located at the top of your online statement.
What is the Uncollected Funds Fee?
It is a fee assessed when an account holder has spent more money
than is available in your Higher One Account by making recurring debit card payments;
a purchase made with an e-check or paper check; or via ACH.
Is there a Fee for Using the Higher One Mobile App?
There is no fee for using the Higher One Mobile App. However, please
contact your mobile services provider for any charges that may apply for data usage on your phone.
What is the Research Fee?
On rare occasions, customers request documents that require
substantial effort on the part of Higher One staff to retrieve/compile. For example,
a customer may be required to produce a large volume of banking documents to rectify
a case of fraud; to address questions of taxation; or to simply unscramble some confused
financial circumstances. Research is not a part of everyday banking and is a very
rarely used additional service. The fee if applicable would be disclosed prior to
What is the Return Deposit Item Fee?
The Return Deposit Item fee may be charged when a deposit was
made in to your Higher One Account that does not clear the other bank. For example,
someone writes you a check that bounces because they do not have sufficient funds
in their account.
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