Refund Disbursement

All student account refunds will be by ACH Direct Deposit to your personal checking or savings account. Western is offering the opportunity to open a basic bank account with Higher One for students who may not currently have a banking relationship. Remember, you have the ability to select the option that is best for you:

  • Direct Deposit to the bank of your choice
    (refunds typically available in 2-3 business days)
  • Direct Deposit to the OneAccount
    (refunds typically available the next day)

 

Choose Your Refund Preference

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Frequently Asked Questions

Address Related

How do I get My One Card?

mailingWestern Washington University students will receive a My One Card in the mail at their permanent address on file with WWU. Keep an eye out for the green envelope arrow
from Higher One and Western.

*Note: The cards will NOT be sent from WWU, the return address on the envelope is New Haven, CT. Higher One will receive any returned cards due to invalid addresses.

What if my permanent address is correct but I no longer live there?

  1. If you know someone at the address, simply have them forward it to you at your current address. Once you receive your card you can log in to the Choice Card web site and make your ACH/direct refund choice. Be sure to update your mailing address.
  2. If they are not able to send the card or the card has been destroyed, you need to email the Student Business Office and provide your local address. The Student Business Office will order a new card at no charge. Expect to receive the new card in 5-7 business days.

What if my permanent address is incorrect?

Email the Student Business Office and provide your local address. The Student Business Office will order a new card at no charge. Expect to receive the new card in 5-7 business days. Additionally, log into Web4U and update your Permanent Address.

I'm currently studying abroad, what should I do?

  1. If you know someone at the address, simply have them forward it to you at your current address. Once you receive your card log in to the Choice Card web site to make your refund choice.
  2. If they are not able to send you the physical card, they can read you the 16-digit account number and the Card Verification Value (CVV) located on the back of the card. You can then log in to the Choice Card web site to make your refund choice.
  3. If option 1. or 2. are not possible, call the Student Business Office (360-650-2865).

What do I do if I do not receive My One Card in the mail?

You can log on to WWUChoiceCard.com and use the "Where's my Card" self help feature that will provide you with the real time status of your card or you can email theStudent Business Office and provide your local address. The Student Business Office will order a new card at no charge. Expect to receive the new card in 5-7 business days.

SECURITY

Is the information sent to HigherOne safe?

All transmissions of information are encrypted. Please visit the HigherOne Security site for additional details.

Will my information be shared with any other parties?

HigherOne is contractually obligated to protect your information and not share or disclose it with unrelated third parties.

What if a privacy breach does occur?

HigherOne is legally obligated to inform WWU and those impacted by any breach. WWU also has policy and procedures to identify, detect and respond to identity theft incidents.

Is Western opening a bank account in my name?

No, HigherOne is our ACH direct deposit vendor.

GENERAL QUESTIONS

I don't have my card, I haven't made a choice and I need my refund now!

  1. If you know someone at the address where the card was mailed, they can read you the 16-digit card number and the Card Verification Value (CVV) located on the back of the card. You can then log in to the Choice Card web site to make your refund choice.
  2. If they are not able to send the card or the card has been destroyed, you need to email the Student Business Office and provide your local address. The Student Business Office will order a new card at no charge. Expect to receive the new card in 5-7 business days.

How are refunds from Western Washington University delivered to students?

Students determine how refunds are delivered to them. Each registered WWU student will receive a My One Card. Your card will arrive in the mail at your permanent address on file with WWU. When you receive your card, you must select a refund preference by visiting WWUChoiceCard.com. During card activation, you will choose how to receive your refund money - direct deposit to your own account or open the OneAccount.

If I choose direct deposit to my current bank, do I need to keep the Choice Card?

Once you've logged on to HigherOne and selected your existing bank for direct deposit, you no longer need the Choice Card to receive refunds. Future logins only require your email address and password that you created in the initial setup. An important note is that if you forget your password, you will need the 16 digit number on the card to reset it.

If you think that at some point in the future, you may want to open a OneAccount, you should keep the card in a safe place to avoid being assessed a $20 replacement card fee.

What are my options for receiving my refund?

Your options include having your refund:

  1. Deposited to another bank of your choice with funds available in 2 - 3 business days.
  2. Directly deposited to your OneAccount with funds available within 24 hours.

I don't want the My One Card, what do I do with it when I get it in the mail?

While you may have decided that you do not want the OneAccount (My One Card), you will still need the sixteen digit card number to make your refund choice.

Why shouldn't I throw my card away, I'm choosing direct deposit to my own bank account?

When you made your refund selection, you also created a password to get into the site.  This access allows you to monitor the status of your refund.  If you forget your password you will need the 16 digit number on the card to reset it.  Also, if you change your mind later and decide that you want to sign up for the OneAccount you will need that card.  If you throw your card away you will have to order a new one and that will cost you $20.  Don’t throw the card away!

Am I required to open a bank account with Higher One to get my refund?

No.

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

  1. Easy Refund (depositing your refund to your OneAccount) is the quickest way to gain access to your money. In order to have your refund directly deposited, you'll want to select a refund preference as soon as you receive your My One Card.
  2. You can use the My One Card as a Debit MasterCard®, which is NOT A CREDIT CARD, to make purchases at all Debit MasterCard® locations, access cash at an ATM, pay bills, send money electronically and so much more.
  3. Parents and friends can easily send you money online with a simple email and a linked bank account.

How will I know when my refund has been direct deposited to my account?

A notification will be sent to the email address you entered during set up notifying you that your refund has been deposited to your account. For those students who choose a different bank account, funds will hit the account 2-3 days after the email. For those with a OneAccount, funds will be available immediately. Additionally, you can view the details of your OneAccount by accessing your statement online at WWUChoiceCard.com or by signing up to receive text messages sent directly to your cell phone with Mobile Alerts.

Are there any fees associated with using the card?

There can be. As with any bank, there are fees that customers can incur. HigherOne discloses all of their fees and how to avoid them.  One fee that may seem unusual is the fee incurred when your pin is used.  To avoid this fee use the on campus HigherOne ATM's when you need cash, and “swipe and sign” for any purchases.

Check the Higher One Fee Schedule to get a complete list of services and fees.

Can I have my refund deposited to another bank account?

Yes.

In order to have your refund deposited to your bank, select your refund preference as soon as you receive the card by visiting WWUChoiceCard.com. During the selection process, choose ACH Transfer to other bank for your refund preference and simply complete, print, and send the required third party form to the designated address. The form will be available online during the activation process.

I don't want to make a choice, do I have to?

In order to receive a refund from the school, a student must go online to choose a refund preference.

What will happen to my refund if I don't choose a refund option?

If you decide not to enroll in Western's refund program and do not select a refund preference, you will be issued a paper check 21 days after funds have been released by the university.  Allow an additional 5-7 days on top of that  for the check to reach your permanent home address.  (Regardless of whether or not you anticipate receiving a refund, it is important to choose a refund preference at WWUChoiceCard.com.)

What if I want a paper check?

Western is no longer creating student refund checks. If a student does not want to sign up for direct deposit (by signing up through wwuchoicecard.com for either a Higher One account or another account) a paper check will be issued by Higher One 21 days after funds have been released by the university.  This will happen each time you are expecting a refund until you make your refunding choice.

Why is the MasterCardĀ® Brand Mark on my new My One Card?

The My One Card can be used to make purchases wherever Debit MasterCard® is accepted. It is important to note that the My One Card is NOT A CREDIT CARD, but rather a DEBIT CARD backed by the purchasing power of the MasterCard® network.

How do I get money out of the OneAccount?

To get money out of the OneAccount, a student can use ATM’s, write a check, and use the debit card function anywhere MasterCard is accepted. Checks can be ordered directly from HigherOne or an independent vendor of your choice.

Where can I find a HigherOne ATM?

HigherOne ATM's are located in the Student Rec Center and the first floor of Old Main.

Where's a HigherOne ATM?

  1. Wade King Rec Center, 1st floor by the check-in counter
  2. Old Main, 1st floor by the Old Main Theatre

HigherOne

Why did Western select Higher One?

Western outsourced their refund disbursements due to the costs and time associated with generating refund checks, and handling them when students fail to cash them. The new service will provide students with two options for how they receive refunds. Students may choose to open a free checking account and activate the debit card or authorize a direct deposit to another banking institution.

The Higher One program was chosen after checking references with other institutions. This program has been very successful for other universities, students and parents. In short, Higher One is a reputable vendor with a proven track record to provide refund choices to WWU students.

How does this program benefit students?

All students will find that they can actually see when a refund is generated and know when to expect it, even receiving email and/or mobile alerts.  Students who choose the OneAccount will also receive their refund faster; unbankable students are guaranteed a bank account of their own; and most students will incur little to nothing in the form of fees.

What is the OneAccount?

The OneAccount from Higher One is a fully functioning FDIC insured checking account that allows you to access your student refunds quicker and easier than ever before. The OneAccount has no minimum balance, no monthly fees, and free Internet banking features. With it, you can use your My One Card to make purchases anywhere Debit MasterCard® is accepted.

Page Updated 10.22.2012