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Higher One Refund Information

Higher One is now BANK MOBILE!

This page contains important information to help you make an informed decision regarding your financial aid disbursements and refunds.

Who will be sent the mailer from BankMobile?

All students who enroll in classes at Orange Coast College are sent this mailer so that the student may select a fee refund/financial aid disbursement preference.

Why am I receiving a mailer/MyCoastCollegesCard from BankMobile?

 In order for Orange Coast College to be able to disburse financial aid awards and/or process refunds for enrollment fees paid by cash, check or credit card in person at the campus, the Coast Colleges District has contracted with Higher One to facilitate refunds and disbursements. This mailer is used to select a refund preference.

Do I have to use the BankMobile MasterCard debit card in order to receive my financial aid or refund?

No! You will use the personal code provided in the mailer to select a refund preference for Financial Aid Disbursements and/or if you paid your registration fees by cash, check, or in-person credit card transaction and are eligible for a refund. The MasterCard debit card is one option for receiving your financial aid (grants and loans) or refund. There are other options, which include a direct deposit to your existing checking or savings account or a paper check (mailed to you). 
If you chose to open a Higher One OneAccount checking account (fees may apply-See Fee Schedule), your funds will be direct deposited to your account and you will also be able to use the MasterCard you received as a debit card (fees may apply-transactions processed as a swipe and sign do not have a fee) against that account. Log in to to activate your preferred disbursement method.

What happens if I don’t log in and select a refund/disbursement preference?

If you do not log in and select a refund/disbursement preference, Higher One will mail a paper check to you no sooner than 21 days after your refund is disbursed. Regardless of whether you anticipate receiving a refund or not, it is important to select your refund preference as soon as you receive the mailer so that you don’t have to wait for your money.

What is the OneAccount? Do I need to have one?

After you select a refund/disbursement preference online, you will receive an offer for an optional OneAccount checking account. The OneAccount is an account relationship between you and Higher One, and NOT managed or operated by the Coast Community College District.  If you choose to open a Higher One checking account, please read the terms, conditions, and applicable fee schedule carefully. You do not need to open a Higher One account to receive your disbursement or refund.

Can I use my Bank MobileCard at any ATM?

Although the Higher One Debit Card can be used at any ATM fees may apply. (See the Fee Schedule for fee information). A fee free (for Higher One card holders) ATM is available on campus in the Student Center.

What are the fees associated with the Bank Mobile bank account and MasterCard debit card?

Please visit the Higher One schedule of fees page for specific fee information.

How long will it take to receive my funds once I have selected my preferred refund method?

Once the college has disbursed your financial aid funds (see disbursement dates) or your refund (see refund dates), Higher One will distribute your funds as follows:
  • Higher One bank account/MasterCard debit card—same business day
  • Direct deposit to your own checking or savings account—2-3 business days
  • Paper Check—5-7 days

What if I didn’t receive the Bank Mobile mailer?

The Higher One mailer is mailed to the mailing address on file. If you did not receive the mailer, please verify and/or update your current mailing address on MyOCC or come in person to your college’s Admissions and Records office. Once your mailing address is confirmed,
Please note: that High School students will not receive the MasterCard debit card in the mail.  They will automatically receive paper checks in the mail (if they paid by check or cash and are eligible for a refund).
Students with a mailing address outside of the United States will not receive a mailer. Once a U.S. mailing address is provided then a mailer will be sent.

What if I lost my card or need a replacement?

If you have selected the OneAccount refund option, you can log into and order a new card. It will be mailed to the address that Higher One has on file.


Where can I check to see if my refund or financial aid disbursement is ready?

Let Higher One contact you! Sign up for mobile alerts with Higher One to get a text message whenever refunds are processed or deposited to your account. Don’t want a text message? No problem, Higher One can also email you when your refund is processed or distributed.

Can’t find your answer here? Go online to get help.  Click on the EasyHelp link at the top of the Schedule of Fees  page to find answers to most of your questions or call the Answer Center during normal business hours at (714) 432-5072.