I have a Higher One Card because my campus Financial Aid office told me it was the only way to receive my refund. But the company is a SCAM they CHARGE outrageous fee's to retrieve my refund money in addition to the fee the ATM charges. I can't use the campus ATM that's free because there is never any money in it for 3, 000 plus students to use one ATM. They also charge fee's to use the card as DEBIT. This seem to be against Federal Regulations of a Federal Refund to have all these fee's this is the first time I had to use this card when i transferred to the University in GA I was not aware I had to use this card to receive my Refund or even loans back I will be leaving this school because Higher-One is a ripoff and they don't protect your privacy because they use WORK at HOME workers to take their calls and in order for these ppl to look at your account you must give them your SSN and DOB and card number talk about invasion of privacy and who knows who they hire they could careless about college students. They just want money for their card fee's.