What has happened is that the colleges, when partnering with Higher One, accepted a system that happens to delay your funds if you do not wish to use the Higher One card, but if you do use this card you have been subjected to what the Federal Trade Commission considers deceptive practices. It matters little what Lauren Perry, Public Relations Professional of Higher One, has to say about it. There is a bit of a conflict of interest involved in her statement that "We want to make sure students are aware that Higher One has no hidden fees and no hidden agenda - the fees are clearly outlined in the terms students must accept..." Well the Federal reserve doesn't think Higher One has been doing what they can to make sure, at all, or that they have been clearly outlining some things that they are legally required to outline; and well, it just so happens it's the job of Federal Reserve Board to regulate this matter. The following is from a press release dated July 1, 2014: "The Federal Reserve Board on Tuesday issued a consent order to cease and desist and a civil money penalty assessment of $3,510,000 against Cole Taylor Bank of Chicago, Illinois. The order addresses the participation by the bank and its agent, Higher One, Inc. of New Haven, Connecticut (Higher One), in deceptive practices in violation of section 5 of the Federal Trade Commission Act." Here are the practices outlined from the Federal Reserve web site: "The actions addressed in this order involve the following deceptive practices by Higher One, under Cole Taylor's oversight, that, at various points in the financial aid refund selection process, misled students about the OneAccount. *The omission of material information about how students could get their financial aid refund without having to open a OneAccount; *The omission of material information about the fees, features, and limitations of the OneAccount product, which may have made it more difficult for students to make fully informed decisions prior to selecting the method for financial aid refund disbursement; *The omission of material information about the locations of ATMs where students could access their OneAccount without cost and the hours of availability of those ATMs; and *The prominent display of the school logo, which may have erroneously implied that the school endorsed the OneAccount product." http://www.federalreserve.gov/newsevents/press/enforcement/20140701b.htm read more

So I just had to order my third card today. My first two have been "lost" in the mail. Funny everything else seems to get to me just fine. I have verified my address,phone number,and email with Higher One SIX times over the phone as well as talked to TWO different "supervisors" who have either told me the generic "it can take longer than the 7-10 business days sometimes" or that I need to contact the school to order another card. Every time I call to inquire about my card they can give me a ship date and date it should be delivered. This last time it is 10 days past the date they told me to expect it. It seems to me after reading the reviews on here this "business" is more worried about half assed answers than actually helping. I think it's absured we are forced to use this company with such a terrible reputation. Simply Google Higher One and you'll see why. But now I am being affected by this delay with bills and moving expenses. I am a retired vet/full time student and this is also my GI Bill money being affected. I can't help but feel that legal action is my next course of action. Again before you reply with your standard jargon let me repeat I have confirmed my address,phone number,and email many times. Seems to me overnighting cards to students facing this problem isn't asking for too much. Fix this Higher One. As a financial institution you should be able to resolve these issues. read more

I wish I could give them negative stars. Absolute worst customer service I've ever dealt with. I've called multiple times trying to get the same issue resolved but they are no help at all. I've even had my school help me fix the issue and while my school has done everything they could do on their end, Higher One just can't seem to get their shit together. Once I get my issue resolved I hope to never ever have to deal with you stupid people again. read more

This is a nightmareeee!! worst institution with the worst customer service EVER!!! I couldn't log to my account online or withdraw cash from the ATM, so I called their customer service who asked my a long list of questions to "verify my identity" then she told me since all the info I gave her is correct it must be my passport no. that's incorrect!! do I remember the format I first entered it 3 yrs ago? NO. So what she does is try to wrap the call up and tells me to go online and try again!!! I told her that it still won't work since I can't figure out the format!! and she answer PROBABLY!!! then I said "s basically this means that I'm stuck and can access my money? and SHE ANSWERS YES!!!!!!!!!!!!!!!!!!!!!!!! THIS THING IS A FRAUD!!!! I REGRET EVER DEALING WITH THEM AND WILL CLOSE MY ACCOUNT ONCE I GET MY MONEY OUT OF THEIR JAWS!!!!!! read more

Honestly the worst banking experience I have ever had. I was indifferent about Higher One banking and only stuck with them because I already had been using their service for school. The last two weeks have been an absolute nightmare and I can't wait to move all my funds out of my account so I can close it!!! My bank account was hacked into on the 3rd of September. I contacted Higher One and they disabled my card instantly. The problem was that I didn't get a chance to get any money before the card was disabled so I was left with only the money I had in my pocket. It turns out that Higher One only has ONE WAY IN AND OUT OF YOUR ACCOUNT!!! I have nobody to wire money to in a situation like this so I have been unable to access the money in my account for two weeks now. I have run out of cash in hand, food, water and gas. I was told it would take 5-7 business days for my new card to arrive by mail. I am now on business day 10 and still no card. Most online banks have a back up plan in situations like this, but not higher one! Higher One doesn't wire money to western union and I was told by western union that most online banks uses western union as the backup plan for account holders to access their cash in these situation. The only reason Higher One does not use western union is so they can make more money with their wire service. Their customer service is a joke; their management is as powerless to do anything as their customer service reps; they don't follow up on their own word; and they are lazy in doing their job. They disabled my card on the 3rd, but felt they didn't need to order the new one till the 9th. Didn't file the claim for the fraud till I called again 5 days later. Worst bank ever. Get your money out of there ASAP. read more

I have used the mobile deposit multiple times to deposit my work checks from a valid employer . They accepted my check and then a few days later i see a 50 dollar Charge they took the money back from check and didn't give me an explanation as to why or what. They then removed the easy mobile deposit option I WAS LEFT IN THE DARK. I had a negative balance and was unable to deposit my work check to pay my bills they then told me I needed to mail.tje checks in. Also when you call to complain instead of fixing issue they make.you go through an online help system that sometimes take 24 hours for a response. They left me with no explanation as to why they didn't accept check !!!!!!! Also I asked for a charge back on card and they said no becsuse you asked after it was processed!!! Wtf ?? I tried doing it when it was still pending and they said to wait.!! Also their phone representatives you can barely UNDERSTAND THEM I HATE THIS BANK I AM CANCELLING IT SAD BEING TREATED LIKE THIS WHEN YOU HAVE BEEN WITH THEM FOR 6 YEARS!!! read more

Getting my money through higherone and the moving that SH*T to my real bank! Thanks for all the heads up on here!! (Phew) I was about to get the higher one card and (foolishly) just thought it would be cool to have a new card that had my school name on it without doing any real research on what i was getting my self into. I did see all the fees on their site and that led me to go with that hunch i had to do a little bit more of an analysis on this company. I didn't even know there were no Branches!? So now my money should be on its way and hopefully i don't have to wait to long before i move it out of there. wish me luck! read more

Most horrible and poorly run company I have ever dealt with!!! All I needed was to reset my password and the person over the phone refused to help me and insisted that my daughter is the one to call even though I am the tuition paying parent who set up the account. I am the authorized account contact with my e-mail address attached on the profile. I would really hope the way to give no star or negative one. read more

THE WORSE. I had to many problems with them. I have no idea why colleges would want financial aide processed through such a horrible company. I Should have had money August 20th. Today is September 8th and I had to wire my money from this account to my personal account for so many horrible reasons. And the worse part is they get $25 out of the money I have been waiting for as a fee. I hope you this company crashes and burns. You guys fucking suck. read more

If I could give them a negative -1000,000 I would but unfortunately am forced to give them one star. The most horrible company I have ever dealt with. They do not help at all and give me a hard time every time I call them I stay on the phone for hours cuz am being transferred to ten billion people and NO ONE IS ABLE TO ANSWER EVEN ONE QUESTION. I have never seen anything like that in my life I just want my refund to come to me i have been waiting for more than a month now. read more

Alright, I wanted all of my money taken out of this account and put into my home bank's checking account. I called the customer service number on the higher one credit card, prepared for a battle. The woman was friendly and explained to me how to wire the funds over from higher one to my checking account. It was actually easy! Once I see the money is safely in my bank account I will cancel the higher one account. Hopefully this is just as painless. read more

I would put a zero if I could. Terrible organization, I feel so bad for the people who work there because they most likely have to deal with mean, irritated people all day because you are forced to call them because nothing works on their site. They have had my refund over 6 months now. My checks in mail never show up and they wont refund me unless I open an account with them in order to transfer money to my third party bank. Highly suggest never using them. And any institution that uses them financially I would reconsider going to just knowing they are affiliated and how hard financial transactions would be. read more

If I could give this god awful " bank" a negative 1,000,000,000 star I would!!!! I SUGGEST IF YOU START WITH THIS BANK DUE TO SCHOOL ..... Pay the fees for a CHECK BOOK and GET YOUR MONEY OUT ASAP. This is a pathetic so called bank! Never had a problem when money was refunded but had an incident where I ordered a package from an online company which for the most part was always reliable, but due to the heavy snowstorms on the east coast when I placed order it never went through on their end. So I called the merchant and they told me we NEVER took money out because we NEVER had an order! Which I get it on there part. So why when I call higher one to ask where the heck my money is they can't answer my questions it's is now February 2 and they get to hold my money for two weeks ohhh noooooooooo! If you ever order anything online DO NOT use this card. They are a scam I'm sure of it! Oh it takes 5 business days for hold to drop off!!! HELLO I ORDERED IT TWO WEEKS AGO!!!!! And theressssssss nooooooooo order!!!! They suck and now my child has been without a car seat because of these people not giving me my money back! Supposedly tomorrow it will be in my account so we shall see. The worst customer service on the planet the worst! This back is literally a nightmare GET A CHECK BOOK ASAP read more

Do not use higher one customer service terrible and nobody you will speak to has any kind of power or authority to get anything done for you they are closed all weekend and make no attempts at making things easy for you, i have been waiting over a week to receive a new card and I have been without money or any way to access my funds for this duration and have basically been told by this unprofessional company to just keep waiting heed my warning and do not bank with them find a way to get your college refund to another banking account it will save you a world of headache read more

I used my Higher One Debit card to order a part for my truck. The vendor sent me the wrong part and I returned it. Four months later I'm still waiting for Higher One to refund me.....( Crickets). I would just forget about it, but they send me autogenerated emails tell me they are still working on it. read more

If you think Higher One sucks now, get ready for major frustration when they outsource all the customer service to another country in October 2015. They are getting rid of all the U.S. customer support staff. This is a big mess - Watch out! read more

Horrible fees and no interest. Some tuition money was refunded into a one account I used while I was attended a community college. They were going to charge me $25 to wire the refund into my primary bank account or $20 to replace my higher one debit card. This was outrageous and after haggling with them for 30 minutes on the phone I told them I wanted to close my account, in which they responded that they would send me the balance via check to my home address. Why couldn't they do this when I had an account? read more

higher one is the f***ing devil!!! I am truly disgusted that all colleges are adopting this predatory company as a means of college students getting there money! I have ordered a replacement card because my card got stolen, its been over 2 weeks!! Then on top of that charges me an $20 fee because my card was stolen!! wtf!! I cant access my refund, I cant transfer my money, I cant do anything! Then when I call all they say is sometimes they take ore then 5-7 business days! I am calling on monday and cussing every single person there out til I get my money. Higher one should be truly ashamed of themselve, purely disgusting company! read more

Horrible Company. I rate this awful company in Customer service and problem resolution a Zero. Terrible in everything. Manager and Customer service Care sucks! I am going to stop doing business with them, they suck. They charge your accounts a monthly for service they sucks at and they don't provide. what a load of #kj2sh. ;....t. please. I shall complain to the better business bureau read more

Hello, In the past I recently have had my refund processed into a third party bank. However, higher one processed the wrong routing number and it was rejected by my bank. The refunds was processed into a higher one account and after reading all these reviews I am worried if I should wire my money into my bank out. Although I find it ridiculous that it's a 1000 dollar wire limit and a 25 dollar charge fee if I process it through their system or if I choose to go into a bank and have the teller do it, it's a 3.5% charge and the limit is up to 2500. Plus I recieved a call after using my card that my card was temporarily on hold because of purchases I made and I called them and they told me it was an error on their end. Would any one suggest that I withdraw my money from the atm day by day to get all my funds out or wire the funds into my bank account. Or would you suggest leaving it in there account. read more

Like others I would give -negative stars if I could and it would be -5. I am 33 days into the quarter and still no FA refund. First they said the card was sent back to them and they issued me a new one which I got Oct. 11th 2015. They told me a paper check was sent since it had been over 21 days and by law they had to. The check was supposedly made and mailed 10/15/15 but as of 10/31/15 still nothing. When I called them they told me I could have instant money if I activated my card. I said NO. When I asked them to just transfer to my bank, which they confirmed when I put that as my primary payment method on the website after getting my card/code in the mail; they said all they could do is activate my card, and get instant access to the funds OR cancel the current check and send another one. The help desk person told me that I could activate the card and have instant access to the funds every time I mentioned the delay or other forms of getting my refund. The hard sell on and trying to force people to use their lame and outrageously over priced, fee based service is so annoying that I want to scream. Seattle Colleges needs to be investigated for choosing Higher One. In fact I am going to pursue looking into who made the decision to use such a sleazy company to handle students financial aid refunds. After all, most getting FA need help, otherwise they wouldn't be getting it. Seattle Colleges needs to be accountable (like all colleges that use outside services and are if they still do internally) for this decision. They can't just hire a company and wash away their obligation to the students. read more

Horrible, this company should NOT be handling students money for thier education. They alway find a way to charge you for something or to give you the incorrect information. This company is ridiculous ! read more

THE WORST BANK EVER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! They just pull money out of your account. They are ZERO help & offer NO support. I absolutely hate this bank. HATE. Please do not ever set up automated drafts to pay your bills from this bank because they will screw you. If I could rank them a zero I would. read more

I received their card from my school UNT, they make it so complicated to chose a transfer of your money to a different bank. When I finally found the link and filled my information, they asked me to print and send it by mail before they can process the transfer. This is a big scam! They play around the law and abuse people who can't afford to wait for the transfer. Shame on them and also for the University of North Texas read more

i just got off the phone with a woman that apparently thought i am 4 so she chose to talk to me like a 4 year old. i opted for the paper check instead of using the card because of all the fees...here it is 7!! days later and my check still has not arrived. it is only coming to NC from CT. she said 5-7 business days. I asked her if it left you monday, saturday is a business day for the USPS so it should have been here right?!? freaking ridiculous read more

This is just another predatory banking institute looking to make money from poor students- they will nickel and dime you and charge you for anything possible- even if its their error and no ones accountable for providing good customer service- the reps cant even return calls when their faulty phone system hangs up on you after holding for ridiculous time periods. As many here... I would give them zero stars if it were possible. This is the worst banking institution I've ever had to deal with... Customer service sucks... There are no ATMs to accommodate customers. I cant believe for the customers inconvenience we are being charged a fee from Higher One and the Banking institute of choice because they dont have ATMs outside of the campus bookstore which is only opened 5 days a week. Boooo I requested a stop payment on a check, they charged me $24 and allowed the check to go through. I called to have the fee returned and the woman tried to find every reason to not refund me. She put me on hold for 30 minutes- the line disconnected and she did not process my request or called me back.. I had to call back and hold for another 20 minutes to get a different rep & explained the situation all over again and the customer service rep said they aren't capable of dialing out- Go figure!! No wonder why the service is so insufficient- We should get a fee into our account for insufficient customer service. read more

Wow. Just like all the other reviews. They charge me $7 a month to have the account. I went to close the account and they charged $15 for closing it before the account not being open for 60 days. Complete garbage. I don't wish bad things on people, but if they were dying, I wouldn't buy them life. read more

My school decided to use Higher One. I opted out of having my funds deposited to their card after reading the nightmare reviews of their service. I asked to have a paper check sent, not surprisingly it is now overdue and they cannot find where it is in the mail system. I am not sure how this company got involved in this business or why this is even a legal business. It seems to exist purely to prey on students. Why is this allowed to continue? read more

This company is forcing me to select their debit card with all their fees. They make it hard for you to receive your monies and are very unclear as to when the monies will be available to you or released. They re state that the better faster option was to have gone with their card and all of their fees, you would atleast have some of your money available. Why is this company allowed to prey on students and student loan applicants? Their customer service is terrible and unable to assist you with anything. This is not a service center, every rep you speak with is a supervisor and a manager. They forget that their title and then offer to escalate you to another supervisor and another manager. And on and on...I still do not have my monies, I did not agree to do business with this company at all. I am being coerced into doing business with this company. We should not be forced to do business with companies. I have the right to choose who I wan to do business with I haved placed a complaint with BBB- Your complaint has been submitted and assigned the ID 10306294. For your reference, a copy of your complaint appears below. You will also receive an email with a link that you may use to view this complaint. The complaint is being handled by the dispute center listed below. Please contact them with any questions. The Better Business Bureau (Wallingford, CT) 29 Berlin Road Cromwell , CT 06416 info@ctbbb.org Web: http://www.connecticut.bbb.org read more

Seems i'm not the only one whose card mysteriously never arrives after weeks of being promised it will be here any day...

SCAM! My daughter who is just a child just got a card in the mail... a MasterCard with a local college's name on the letterhead. All looks legit. Except that my child hasn't applied to any colleges yet or applied for financial aid anywhere. read more

Absolutely worth a ZERO STAR RATING. HigherOne has ABSOLUTELY TERRIBLE customer service. They take advantage of college students like myself; people who need loans and financial aid to survive. First off, they are closed all weekend. No help. I lose my card Friday night search for it all night. Then I report it lost first thing Saturday. Not 30 minutes later I find it. So I call customer service to reverse the lost card submission. Nobody there. I call at 9am Monday and talk to a Ralph in customer service. He said they cannot reactivate my card, so I have to still pay $25 even though I found my card. A simple "cancel button" would suffice. Ralph did say they will waive a wire transfer fee if I needed money right away. I can wire to my wife's bank up to $1000 and call them back when the transfer is complete. I call back at 430pm today and talk to James. He talks to his supervisor and says to me, "they cannot waive this $25 wire transfer fee. I'm afraid it is impossible, I am sorry." I would have not wired money if I knew it would cost me another 25 dollars! Every penny counts in my daily life and 25 dollars goes a long way. I would have borrowed money until my new card came if I knew they would charge $25 ON TOP OF the $25 new card fee I already have to pay. So I am out 50 dollars, plus the 5 dollar fee my wife's bank charged to receive the wire...all over a card I reported lost AND FOUND 30 MINUTES AFTER. You better believe I am running away from this place with every dollar I have left. I don't care if I have to withdraw it all from an ATM and pay the fees. This place is dishonest and takes advantage of college students. Horrible business practices here. UPDATE: HigherOne just credited my account the $45 I was out for my new card fee and wire transfer fee. It relieves me that I receive what I lost over this mishap, but it should have not taken me venting on their customer service email, Facebook, Twitter, Google+, and here on Yelp to get them to right the wrong. I'll have to think about whether I will stay with them or not. read more

the worst customer service of any financial institution i have ever had to deal with unfortunately my school FORCES me to deal with them when id much rather tell them to ********* had to beg them for 6 hours and 10 phone calls to refund me the $30 overdraft fee because paypal drafted from the wrong bank account and was basically told "tough ****" out of the 10+ reps i talked to maybe 2 sounded like they had a solid grasp of the English language also when you call support you have to enter your card number, social AND date of birth just to even have an OPTION to speak to a rep read more

I would rather put money under a mattress than ever bank here again. Nickel and dime you with bogus fees. Very hard to move money out of the account. read more

I have been with this bank since 2009 when I first started college. I still have an account because I have had the most positive experience with them over banks that have local branches. The only reason I gave them 4 stars instead of 5 is because I wish they had a local branch, I wish I could deposit more than $500/day via loading my card at a store and paying $5 to do it, and I wish I could deposit a check via my phone that is over $750. Any checks I receive over $750 have to be mailed in and it can take up to a couple of weeks before it is processed and put in my account. Other than those reasons, I have never paid any fees that I didn't already know existed and for some reason I NEVER get an NSF or overdraft fee. I seem to get a lot of those with my local banks. I did have to replace my card once, and when I called I told them I wanted a new one, they shut off my current one before I received my new one (I wish they had left my old one on until I received and activated my new one) and it took a week to get my new one so I was unable to access my money for a week which was a difficult week. I am a single parent and the only way I could survive for the week was to borrow money until my card came in. I was just trying to stop a monthly payment that for the life of me I could not cancel. The charge had already come out for the month so I was not in a hurry, which I explained to the person I talked to but they still shut the card off immediately. Yes, there are pros and cons to this bank, but every bank has them. This bank has more pros for me than cons and so far any other bank I've used has more cons. I will stick with this bank and hope for a local branch in the future. read more

If I could give this place zero stars - believe me, I would. Higher One is a shady financial black hole that will try to suck your account dry any way they possibly can. I had an account that had been in good standing for 3 years (even with the $.50 cash withdraws and no helpful ATM services like being able to actually deposit money into my account by bank branch or ATM) and had my first ever over draw this year. Initially my account read that they had paid the overage and there was no overage fee. I had been transitioning into another job and my rent happened to be due before the live check my new job was sending came in the mail. I thought all was well for a few days and I would just pay the overage fee that had popped up once my check came in the mail. However, Higher One quickly reversed their payment so that I was charged with a bounced check fee from my landlord but they kept the overage fee on my account so I would have to pay them even when technically my account wasn't overdrawn since they reversed the payment! I had to call and fight them to get it removed since their excuse was, "but your account was over drawn when we did it so it is valid." I eventually got the fee removed but only because I had never been over drawn before and had recently signed up for direct deposit. Ironically, by signing up for direct deposit, I was due a $50 visa gift card through the promotion they had going on at the time. I was supposed to receive the gift card 3 months after my first direct deposit (which would have been in November). November comes and they email me to say my gift card has been sent. So I'm waiting and waiting for this card because it'd be great to use it for xmas gifts or gas and of course, nothing comes. On 12/10 (almost a month later) they email me again to write that the gift card had not been sent and it would be sent within a week. This was not acceptable to me since they decided to take my money when they had no right to and I wanted compensation for it; but of course they had a super shady response again and told me that they apologized and it was only a week's difference (which it's not, the beginning of November is 6 weeks from the middle of December...) and that all they would do is send the card and not compensate for the time the card should already have been in my possession. This "bank" is quick to take your money and will do/ say anything to not have to give you any. They make it almost impossible to get your money out of their grubby little hands and will charge for any and everything a normal bank would give their customers freely. I hope there is a class action lawsuit against them soon so I can join in - if not, I plan on filing one myself as they were clearly in breach of contract regarding my gift card. Stay far, far away from them. read more

Worse bank I have EVER had! PLEASE PLEASE AVOID! I wish I could give them ZERO stars! You literally cannot leave money sitting in the account or they will find someway to charge you! It is insane! I don't leave money in there anymore I withdraw it and put it in a trust worthy bank. A few months ago I had my car note charged early and it put me into the negatives. I saw the charge and called my car company they apologized and released the funds (this all took place in a matter of hours.) I go home that night and there are 3 $38 dollar charges! One for my car note and the others for somethings I bought after the charge. I called them right away and explained to them. So in 4 hours my account balance when from like $25 to -$130! To a college student living off of barley anything it meant I wasn't going to eat or get gas or something! SO I explain what happened to the lady on the phone and she INSIST "that is our policy," "sorry that is our policy." If I over-drafted at my other bank they would have given me 3 days to correct it and if I had not, charged me ONE overdraft fee not a fee for each item!! So since I was unwilling to not eat for a week I left the account at -$130, to my dismay when I check the account again they charged me ANOTHER $50!! Omg! They said if I was in the negative for more than a certain amount of days they charge me more!!! My worst problem with this bank is the overdraft fee is for NOTHING. The overdraft fee means you tried to by something and didn't have enough money so we (the bank) paid it for you and for that we are gonna charge you. THEY DIDN'T LET ANY OF THOSE TRANSACTIONS GO THROUGH! So the bank lost no money! They just charged me a butt load for simply denying a transaction that TRIED to take place! My school started a petition and our school will be dropping this bank soon I encourage your school to do the same if they use them. read more

higher one makes it impossible for students who don't have an valid I.D. higher one is awful and they are not clear about what is a valid document! not to mention it took 2 weeks for my card to arrive and when i finally received my card and set up an account i had an I.D. hold and i am still in the process of trying to get the hold off! i hate higher one and wish colleges would find a new way for students to receive financial aid! also when i called to talk to someone everyone kept telling me different things and making things very complicated. college students should not have to go through this much trouble to get their money! if i could give zero stars i would! it just ridiculous!!!!! read more

I am completely disgusted and appalled for ever choosing Higher One. I understand that this is an institution that helps with FASFA and tax returns, but this banking institution is a complete joke. I am a veteran and student at Cabrillo College and I receive my GI bill automatically disbursed to my Higher One account. Should have never done that. The reason why I am completely pissed off is that a dam card takes 12 days to get to my location and cost 20 dollars to replace. No card=no money for higher One. Want to talk to someone about your account on a payday that lands on the weekend? This wont happen with Higher One for they don't work on the weekends. What if I was in an accident or something? and needed to get a hold of my MONEY.. No way no how..Another thing that chaps my hyde is that this ONLINE Bank never has the right answers about anything. Want to order a new card, ur going to wait a good twenty minutes before someone picks. When someone does pick up they will have an attitude and most likely give you the wrong answer. I am done with this bank and its 2.50 anywhere fees.Did I say ANYWHERE, yes I did. Want 25 dollar wire fees ?And my main problem is they can't wire money on the weekend because they are closed. DON'T TRANSFER MONEY ON THE WEEKEND WTF, I am still extremely furious with Higher One! What a scam for students. read more

Higher One is not evil incarnate. Maybe a sublevel demon, but that's beside the point. Many people are complaining about the fees. The fees are spelled out. I use my card as a credit to avoid the transaction fees, and I've just updated my refund preference to have the funds transferred to my bank so that I don't have to deal with them at all. There is no fee to do this. Several comments refer to a wire fee, which all banks charge. Just like all banks charge you to use an ATM that isn't theirs. Their customer service leaves something to be desired. Instead of empowering their call centers they make associates read from a script and require approval for everything. This tells me they outsource their calls, which is another cost saving technique. However, not empowering their people means that callers get more frustrated with inability to follow up and long hold times. When my school consolidated with another one, instead of simply merging the two accounts, they gave me a new one. When I asked that they transfer the funds from the old account into the new, and cancel the old one, I was told they could not do so. Instead, I received a check for $0.74, which I have not bothered to cash, from where they cancelled the old account. What I was asking for, other banks can do. And, frankly, I am pretty sure Higher One can as well. They just choose not to train their people adequately. read more