Imagine getting exactly what you want from a checking account!

With more you-focused choices, smarter ways to manage your money and access to more features; there really is an account choice for everyone! We've spent years listening to your feedback to design accounts that really do put you first—and it shows.

If you are a student attending one of our partner colleges and universities, you are eligible to open the OneAccount. If you are already a current OneAccount holder, you may switch to OneAccount Premier, by simply logging in to your account, viewing account choices, and selecting your preferred account option.

But don't take our word for it... compare all our great accounts and choose the one that best fits you!

Choose your account
Monthly service fee	No monthly fee for students or $100 or more in direct deposit; otherwise $3.951	$4.95 No other fees charged by Higher One2	No monthly fee with $300 or more in direct deposit; otherwise $5.953
No minimum balance
OneRewards Cash back rewards tailored for you!
Mobile features (Text alerts, mobile app and mobile deposits!)
FREE Online Bill Pay
"Cash In" with MoneyPak® Quickly transfer cash into your account
Allpoint ATM access
Non-Higher One ATM reimbursements
"Bud-jet" interactive budgeting tool
VIP-level Customer Care
3 complimentary starter checks
OneRewards Premium - more cash back than OneRewards
PIN fees	Yes	No PIN fees	No PIN fees

1 OneAccount account holders will be charged $3.95 per month. The monthly service fee will only reduce an account to a zero balance, which may result in customers being charged less than $3.95 a month. The monthly service fee may be applied to the customer's account within 5 business days after the close of their monthly statement cycle. If the account holder is a student, as defined below, or performs a direct deposit of $100.00 or more per month, the $3.95 monthly service fee will not be assessed. A financial aid refund does not qualify as a direct deposit.

Students are defined as those who have received a financial aid deposit to their Higher One checking account in the past 6 months or self-identified as a student on their program website.

2 OneAccount Edge account holders will be charged $4.95 per month. The monthly service fee will be applied to the customer's account 15 days after the start of their monthly statement cycle. An ATM owner may charge a separate surcharge fee. OneAccount Edge account holders cannot perform international card transactions, wire transfers or cash advances. OneAccount Edge account holders can only order 50 checks per 12 months.

3 OneAccount Premier account holders will be charged $5.95 per month. The monthly service fee will be applied to the customer's account within 5 business days after the close of their monthly statement cycle. If the account holder performs a direct deposit of $300 or more per month, the $5.95 monthly service fee will not be assessed. A financial aid refund does not qualify as a direct deposit. OneAccount Premier account holders will receive 1 monthly non-Higher One ATM withdrawal fee reimbursement. Reimbursement only applies to domestic ATM withdrawals. A credit will be applied to a customer's account within 5 business days after the close of their monthly statement cycle. The account must be open to receive the credit. Any additional non-Higher One ATM withdrawals are subject to the standard non-Higher One ATM withdrawal fee. ATM owner may charge a separate fee. OneAccount Premier account holders will be charged $15 if the account is closed or the account holders switches to the OneAccount or OneAccount Edge within 60 days of opening the OneAccount Premier.

See Fee Schedules for further details.