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One Account Fee Schedule

The OneAccount is meant to be used for free. If you follow the suggestions outlined below, you should be able to use your account for free:

  • Track your purchases
  • Be careful to not overdraw your account
  • Remember to "swipe and sign" for purchases. This means selecting "credit" and signing the receipt.

We have created a guide to help you - How to use the OneAccount for Free. Like all checking accounts, there are some normal fees associated with extra services. Higher One does our best to offer as many free services as we can. When we must charge a fee for a special service, we make sure that the fee is competitive, fully disclosed and easily understood. If you have a question about a fee on the schedule below, just click on it for an explanation.

OneAccount - It's designed to be FREE! Effective as of June 24, 2008
  Service No Fees
   Monthly Service Charge No Charge
   Minimum Balance Charge No Minimum Balance
   Check Writing FREE
   Electronic Statements (Standard / Default Choice) FREE
   Higher One ATM Transaction FREE
   Signature Debit MasterCard® Transactions FREE
   Online Bill Payment Service FREE w/ direct deposit or $1,000.00 minimum balance
   Incoming Wire Transfer (Domestic) FREE
   Incoming Wire Transfer (International) FREE
   Deposit to OneAccount FREE
   First Copy of Checks, Deposited Items and Statements FREE
   Research and Legal Service First hour FREE. More by arrangement.
   Send Money FREE

 

Additional Fee Based Services Effective as of June 24, 2008
  Service Fees
   Merchant PIN Based Transaction FREE
   Non Higher One ATM Transaction Fee
   (includes all withdrawals, inquiries, and declines) 		$  2.50
   First Insufficient or Uncollected Funds Charge (in 12 months) $29.00
   Subsequent Insufficient or Uncollected Funds Charges $35.00
   Lost Card Replacement $21.00
   Paper Statements (Optional Choice) $  3.00 per month
   Online Bill Payment Service Per Transaction
   Abandoned Account Fee
   Abandoned Account Fee charged after 9 months of no transactions.
   No fee on $0-balance accounts and fee will not overdraw account. 		Up to $19.00 per month
   Cash Advance Fee 2.9% ($5.00 minimum)
   Stop Payment Fee $24.00
   Return Deposit Item Fee $  5.00
   Multiple Copies of Checks, Deposited Items and Statements First One FREE. Multiple by arrangement.
   Official Checks $10.00
   Outgoing Wire Transfer (Domestic) $25.00
   Outgoing Wire Transfer (International) $50.00
   International Transactions Fee 2%
   Delinquent Account Collection or Abandoned Property Transfer Fee $50.00
   Lack of Documentation Fee Up to $50.00

 

OneAccount - It's designed to be FREE! Effective as of July 30, 2009
  Service No Fees
Monthly Service Charge No Charge
Minimum Balance Charge No Minimum Balance
Check Writing FREE
Electronic Statements (Standard / Default Choice) FREE
Higher One ATM Transaction FREE
MasterCard Zero Liability Purchase Protection Provided by Higher One FREE (Paid for by Higher One when you "Swipe and Sign" for purchases).
Signature Debit MasterCard® Transactions FREE
Online Bill Payment Service FREE w/ direct deposit or $1,000.00 minimum balance
Incoming Wire Transfer (Domestic) FREE
Incoming Wire Transfer (International) FREE
Add Money to the OneAccount FREE
First Copy of Checks, Deposited Items and Statements FREE
Research and Legal Service First hour FREE. More by arrangement.
Send Money Between OneAccounts FREE
Family and Friends Send Money FREE
24/7 Customer Service Access by Email with EasyHelpSM and via Automated Phone Services Line FREE

 

Additional Fee Based Services Effective as of July 30, 2009
  Service Fees
Merchant PIN Based Transaction FREE
Non Higher One ATM Transaction Fee
(includes all withdrawals, inquiries, and declines) 		$  2.00
First Insufficient or Uncollected Funds Charge (in 12 months) $29.00
Subsequent Insufficient or Uncollected Funds Charges $35.00
Lost Card Replacement $21.00
Online Bill Payment Service Per Transaction
Abandoned Account Fee
Abandoned Account Fee charged after 9 months of no transactions.
No fee on $0-balance accounts and fee will not overdraw account. 		Up to $19.00 per month
Cash Advance Fee 2.5% ($5.00 minimum)
Stop Payment Fee $28.00
Return Deposit Item Fee $  5.00
Multiple Copies of Checks, Deposited Items and Statements First One FREE. Multiple by arrangement.
Official Checks $10.00
Outgoing Wire Transfer (Domestic) $25.00
Outgoing Wire Transfer (International) Market Rate
International Transactions Fee 2%
Delinquent Account Collection or Abandoned Property Transfer Fee $50.00
Lack of Documentation Fee Up to $50.00