Fee Schedule

The OneAccount is designed to be used for free. By following the suggestions outlined below, using your account without incurring fees is simple:

  • Track your purchases.
  • Be careful not to overdraw your account.
  • Remember to "Swipe and Sign" for all of your purchases. This means simply selecting "credit" and signing the receipt at checkout.
It's easy to use the OneAccount for free and the Use the OneAccount for Free section can help! Like all checking accounts, there are some normal fees associated with extra services. At Higher One we do our best to offer as many free services as possible. When we are required to charge a fee for a special service, we work to make sure the fee is fully disclosed and easily understood.

  Effective July 30, 2009
Free Services
Monthly Service Charge No Charge
Minimum Balance Charge No minimum balance required.
Check Writing FREE.
Electronic Statements FREE.
Higher One ATM Transactions FREE.
Signature Debit MasterCard® Transactions FREE.
MasterCard Zero Liability Protection Provided by Higher One FREE (Paid for by Higher One when you "Swipe and Sign" for purchases).
Unlimited Online Bill Payment Service FREE with direct deposit of payroll or $1,000 minimum account balance once enrolled in Unlimited Online Bill Pay. Please Note: You must proactively enroll in Online Bill Pay.
Incoming Wire Transfer (Domestic and International) FREE.
Add Money to the OneAccount FREE.
Family and Friends Send Money FREE.
Send Money Between OneAccounts FREE.
Copy of Checks and Deposited Items First copy FREE, additional copies by arrangement.
Research and Legal Service First hour FREE, additional time by arrangement.
24/7 Customer Service Access by Email with EasyHelpSM and via Automated Phone Services Line FREE.



  Effective May 1, 2010
Free Services
Monthly Service Charge No Charge
Minimum Balance Charge No minimum balance required.
Unlimited Online Bill Payment Service FREE.
Check Writing FREE.
Electronic Statements FREE.
Higher One ATM Transactions FREE.
Signature Debit MasterCard® Transactions FREE.
MasterCard Zero Liability Protection Provided by Higher One FREE (Paid for by Higher One when you "Swipe and Sign" for purchases).
Incoming Wire Transfer (Domestic and International) FREE.
Add Money to the OneAccount FREE.
Family and Friends Send Money FREE.
Send Money Between OneAccounts FREE.
Copy of Checks and Deposited Items First copy FREE, additional copies by arrangement.
Research and Legal Service First hour FREE, additional time by arrangement.
24/7 Customer Service Access by Email with EasyHelpSM and via Automated Phone Services Line FREE.

Additional Fee - Based Services



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The PCT OneCard Debit MasterCard® is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated. The card is administered by Higher One, Inc.

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