The University of North Dakota

UND Pride Card; frequently asked questions
What is the purpose of the UND Pride Card?
The UND Pride Card will be used as a means to distribute excess financial aid and other refunds to students. The student must choose their preference for receiving their refunds:
* 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. This is the fastest way to receive your refund. The OneAccount also offers many features for the student. Please visit UNDPrideCard.com to learn more about the OneAccount.
* Direct deposit (ACH transfer) into the student’s existing bank account. This preference takes approximately two to three banking days to credit to the student’s bank account.

Is the UND Pride Card a credit card?
No, the UND Pride Card may be used as a debit card if the student chooses the OneAccount as their refund preference. It is NOT a credit card. The UND Pride Card is required to obtain excess financial aid and other refunds from UND. During activation, the student must identify their preference for receiving their refunds.

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?
No. If you 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), there will be no ATM fees assessed. If the UND Pride Card is used at other non-Higher One ATM’s, ATM fees will be assessed by that ATM vendor, and Higher One.

If your preference is to open a OneAccount, you may use your UND Pride Card as a MasterCard Debit card. 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.” To do so:
Swipe your card
Select credit
Sign

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:
Contact Higher One customer service at 1-800-815-8274 to request your OneAccount routing and account number. You may also request your free online bank statement from Higher One, which includes this information.

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 can also be used as a MasterCard Debit card. If you make an online payment to your Campus Connection account using your debit card, you will be assessed the 2.75 percent convenience fee. We recommend that you use the E-check method of payment, mentioned above, to avoid these fees.

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.

Are there fees associated with the UND Pride Card?
No. When activating the UND Pride Card, if you choose to open a OneAccount with Higher One, there are no fees associated with conventional use with the account. Students are not required to maintain a minimum balance and there are no fees when the UND Pride Card is used at Higher One ATM’s. Any fees associated with the OneAccount are indicated on Higher One’s fee schedule, located at UNDPrideCard.com. If you choose to have your refunds direct deposited (ACH transfer) to your existing bank account, there are also no fees associated with your UND Pride Card.

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 receiving your refunds. Either through:
* Deposit to the OneAccount from Higher One.
* Direct deposit (ACH transfer) to your existing bank account.

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

Am I required to use the UND Pride Card as a MasterCard Debit card?
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 need to activate the UND Pride Card and indicate your preference to do so.

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. The company’s goal is to make customers’ lives easier with added convenience and cost savings. 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 ( http://www.higherone.com/ ).

Is the University of North Dakota in compliance with FERPA Laws while transferring information to Higher One?
Yes, Higher One must adhere to the same FERPA laws as UND.

How will I know when my financial aid or other refund has been directly deposited to my OneAccount?
You will receive an e-mail 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 Web site, or opt-in to receive a text message directly to your cell phone with mobile alerts ( http://www.higherone.com/mobile/ ).

What are the advantages of having my refunds deposited directly to my OneAccount?
Depositing your refund to your OneAccount is the quickest way to gain access to your money. To have your refund directly deposited, activate and choose Easy Refund to open your OneAccount. After your UND charges have been paid, remaining funds (financial aid or other credits) 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 can use the UND Pride Card to make purchases at all participating merchants that accept 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 no charge to you for receiving your refund directly in your OneAccount and there is no monthly fee or minimum balance requirements.

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 e-mail at studentaccounts@mail.und.edu.