Saddleback Card

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Saddleback College is partnering with HigherOne, a financial services company focused on higher education disbursements. The Saddleback/Higher One MasterCard Debit Card is used for activating a refund preference for Financial Aid Disbursements. The Saddleback/MasterCard debit card is one option for receiving your financial aid (grants and loans). There are other options, which include a direct deposit to your existing checking or savings account or a paper check (mailed to you). Although you must select a refund option through the Higher One website (by entering the debit card number on the Higher One website) in order to receive a refund, you do not have to opt for the Higher One debit card option. Don't throw away the card as it is your ticket to a faster disbursement.

The Saddleback Card is designed to provide you with increased choices. These options include:

  • Higher One bank account/Master Card debit card (1 business day).
  • Direct deposit to your own checking or savings account (2-3 business days).
  • Issue a paper check and send the disbursement by mail (5-7 business days).

The timing estimates are AFTER HigherOne receives Saddleback College's disbursement records.

Please activate your card as soon as you receive it. Look for it to be delivered to your address on file with the Financial Assistance Office. You can track your card status online at the “Where’s My Card” feature.

Upon receiving your card, go to the website listed on the back of your card and enter your card’s 16-digit number to begin the activation process and make your selection. Remember, even if you are not currently expecting a disbursement from Saddleback College, we may have a disbursement for you in the future so save that card!

Please make sure the Saddleback College Financial Assistance Office has your correct current mailing address at this link. Your Saddleback Card will be mailed to your current address as entered on the FAFSA, so it needs to be accurate. Change or verify your address now.

For more information contact the Financial Assistance Office at 949-582-4860

Change/Verify Address

Please make sure Saddleback College has your correct current mailing address at this link. Your Saddleback College Card will be mailed to your current address on file with Enrollment Services, so it needs to be accurate.

Change Verify Address

Changing your Address

It's important to keep your address up-to-date. Please use ALL the links below to change your address:

  1. For Financial Aid Office: Student Status Change Form, and
  2. After your Debit Card is activated: Member Login

 

Access Account

You may contact HigherOne by phone at 1-877-405-8685, Monday through Friday from 6:00 a.m. to 8:00 p.m. Pacific Time.

You can login to your Saddleback College Card account at any time.

Member Log In

For questions regarding your current financial aid status, academic standing, award notification or financial aid disbursement, contact Saddleback's Financial Assistance Office:

Disbursement Options

disbursement-options.pngYou have three options to select how you wish to receive your financial aid refund disbursements. Your selection is called your “refund (disbursement) preference” and you must select one option.

Carefully read through all of the information for each option and make the selection that is best for you. You can update your refund (disbursement) preference at any time by visiting saddlebackcard.higheroneaccount.com/.

  1. OneAccount
    The OneAccount is a free checking account that you open with HigherOne linked to your Saddleback DEBIT CARD. With the OneAccount you can use your Saddleback Debit Card for purchases anywhere that Debit MasterCard is accepted.

    If you choose this option, your refund/disbursement is available the following business day after Saddleback sends the funds to HigherOne. This is the first day of each quarter for students who have an active award, are in good academic standing and finalized their class schedules one week prior to the quarter start.

    There may be fees associated with the OneAccount, including PIN based transaction fees. Use the “swipe and sign” method when making purchases. Swipe your card, select the “credit” option and sign your receipt. It will still be used as a debit card, but without fees. Review HigherOne Fee Schedules to learn more about fees associated with the OneAccount and its services.You are not required to select the OneAccount to receive your financial aid refund/disbursement. You only open the OneAccount if you want to have your disbursement available on your DEBIT CARD.
     
  2. Transfer to Your Existing Checking Account
    You may request to electronically deposit your financial aid refund/disbursement to your existing bank account. Visit saddlebackcard.higheroneaccount.com/ when you receive your card and select “Automated Clearinghouse (ACH) Transfer” during the card activation process. There is no charge for receiving your refund/disbursement this way. You will have to complete, print and send (by mail or fax) an ACH Transfer form to HigherOne.If you choose this option, your refund will be deposited in your bank account within 2-3 business days after Saddleback sends the funds to HigherOne.
     
  3. Paper Check
    You may request to have your financial aid refund/disbursement issued in a paper check. Visit saddlebackcard.higheroneaccount.com/ when you receive the card and select “Paper Check” during the activation process.

    Checks are mailed by HigherOne to your address on file with Saddleback’s Financial Assistance Office within 5-7 business days after Saddleback College sends the funds to HigherOne.

    There is no charge for receiving your refund/disbursement this way, although it will take longer to receive your check.

 

 

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ATM Locations

 

You can use HigherOne ATM’s to withdraw cash and/or view the current available balance on your HigherOne checking account. The daily maximum cash withdrawal is $500.

There are two convenient HigherOne ATM locations on Saddleback’s campus.

  • Student Services Building
    (SSC) - 2nd Floor
  • Math/Science/Engineering
    Building (MSE) – Lobby
  • Saddleback Gymnasium
    (PE 200) – Foyer

About Fees

  1. There is no fee when using the Saddleback Card at the HigherOne ATM's.
  2. If you use your card as a debit card-swipe and PIN#, you will be charged 50 cents per transaction.
  3. If you use your card on a non-HigherOne ATM, you will be charged $2.50 by HigherOne plus usage charge from the institution who owns the ATM.
  4. If you lose your card, there is a $20 card replacement charge by HigherOne.

However...

Fees are charged if you use the Schools First Credit Union’s ATM located in the Student Student Center. There are also fees for using another bank’s ATM (HigherOne Fee Schedules).

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HigherOne FAQ's

Saddleback College will no longer disburse financial aid checks to students. Instead, HigherOne (a financial services company) will issue a Saddleback Card to all students who are offered financial aid.

The card is sent to the address as entered on the FAFSA. The card is used to select your option for your financial aid disbursement from HigherOne.

How do I avoid fees?

The OneAccount is designed to offer faster refunds and increased money management choices to fit your budget and busy lifestyle - but that doesn't mean it has to cost a fortune to use. It's easy to steer clear of fees and use the account for free. Just follow these simple rules:

  • Give yourself a little credit!
    Just remember, the key word is "credit" not "debit" when using your Higher OneCard to make purchases at checkout. Simply "Swipe & Sign" when you make Debit MasterCard® purchases (i.e. swipe your card and sign the receipt) and you won't be charged a PIN Based transaction fee. Sound easy? That's because it is!
  • Knowing is half the battle!
    At least it is when it comes to paying your bills. When you set up automatic recurring Debit MasterCard® payments, you'll know when your bills are being paid and the amount coming out of your account. It's the smart way to avoid getting caught by surprise. You'll make life easier, avoid Insufficient Funds Fees and save money on checks and postage.
  • What's better than avoiding fees?
    How about cash back just for using your card! With OneRewards, Higher One's cash back rewards program, that's just what you'll get. And it's up to 50% cash back by simply choosing "credit" and making Swipe & Sign transactions with your card at merchants in the OneRewards network. Prefer to shop online? We've got that covered too. Click through exclusive links for your favorite online merchants by visiting OneRewards.com.
  • Not all ATMs have the same fees!
    Although you can use your Higher OneCard to get cash at any ATM, stick to Higher One ATMs to stay fee-free. Or, better yet, use free Online Bill Pay as an alternative to withdrawing large amounts of cash for rent or bills. It's safer, easier and more secure!
  • Check your statement online for peace-of-mind and go mobile!
    As with most bank accounts, there are some services offered by Higher One that do carry fees. It's always a good idea to familiarize yourself with these by reviewing our Fee Schedules.

For more information: https://saddlebackcard.higheroneaccount.com/

How do I activate my Saddleback Card?

Visit https://saddlebackcard.higheroneaccount.com/ to activate your card and select your refund/disbursement preference. Get step-by-step help with setting up your refund preference by watching a demo. You have three options.

  1. OneAccount free checking account with a DEBIT CARD (1 day), or
  2. Transfer to an existing bank account (2-3 days),
  3. Issue a paper check and send disbursement by mail (5-7 business days)

Making a selection is easy, and your choice is confirmed to make certain there is no mistake.

The timing estimates are AFTER HigherOne receives Saddleback’s disbursement records.

 

Do I have to activate my Saddleback Card?

The card must be activated in order to select a refund/disbursement preference. HigherOne cannot disburse your financial aid if you do not activate the card and make a selection.

What is the OneAccount and do I have to open one?

The OneAccount is a free checking account service from HigherOne. Review the OneAccount information online at https://saddlebackcard.higheroneaccount.com/ for more details. If you select the OneAccount option, your Saddleback Card will be used as a DEBIT CARD with the checking account.

You are not required to open a OneAccount bank account. You can choose to have your financial aid refund/disbursement deposited into your current bank account.

How long will it take to get my financial aid disbursement the first time I use my Saddleback Card?

The timing will vary depending upon the date you return your signed award notification and register for classes. The earliest time to receive your financial aid disbursement will be the first day of the quarter.

If you sign your award notification after the start of the quarter, it can take 5-7 days to receive your Saddleback Card in the mail. Once you activate your card and make a disbursement selection, the timing will vary as follows:

  • OneAccount free checking with Saddleback Debit Card –receive funding the same day HigherOne receives your disbursement information from Saddleback.
  • Transfer your disbursement to your own checking account (2-3 days).

Where can I use the Saddleback Card?

If you choose the OneAccount (free checking account), you can use the card anywhere a DEBIT MasterCard would be accepted. There are fees for PIN-based transactions (HigherOne Fee Schedules). To avoid fees, select the “credit” option which is called “swipe and sign”. Your card is still used as a debit card even though you selected the “credit” option. Your debit card is NOT a credit card since you must have money in the account to use it. In most cases you will be asked to sign a receipt if you use the swipe and sign option.

Are there any ATM fees?

There are no fees when you use the HigherOne ATM with your Saddleback Debit Card. There are three convenient locations:

  • Student Services Building
    (SSC) - 2nd Floor
  • Math/Science/Engineering
    Building (MSE) – Lobby
  • Saddleback Gymnasium
    (PE 200) – Foyer

Caution
Fees are charged if you use the School’s First Credit Union ATM located in the Student Center.
There are also fees for using another bank’s ATM (HigherOne Fee Schedules).

Does HigherOne charge fees for receiving my financial aid disbursement?

You are not charged for receiving your disbursement/refund, regardless of your method of disbursement. If you select the OneAccount (including your Saddleback Card), you will not be charged for standard banking services such a zero minimum balance, online bill pay, check writing, etc.

However, there are fees for other services such as wire transfers, PIN based transaction fees, etc. Read the HigherOne Fee Schedules carefully to learn about potential fees and how to avoid being charged.

Can I change my refund preference?

Yes, you can update your disbursement/refund preference at any time online at https://saddlebackcard.higheroneaccount.com/ .  Select “Financial Refunds” then “Refund Preferences” from the main menu to update your selection.

 

How will I know when my disbursement/refund has been deposited to my OneAccount?

HigherOne notifies you by email and/or text message alert when your disbursement/refund has been processed by HigherOne into your OneAccount. You can also check your account balance online at https://saddlebackcard.higheroneaccount.com/.

What if I do not receive my Saddleback Card in the mail?

You can track your card status online at https://saddlebackcard.higheroneaccount.com/. using the “Where’s My Card” feature. You may also visit the Financial Aid Office for assistance in tracking your card.

How do I request a replacement card?

If you lose your Saddleback Card, you can request a replacement card from HigherOne. You will be charged a $20 replacement fee.

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Contact

For questions regarding your current financial aid status, academic standing, award notification or disbursement, contact Saddleback College’s Financial Aid Office:

Telephone: 949-582-4860

Email: Financial Aid Office

Disclaimer

Banking services provided by The Bancorp Bank, Member FDIC.

The Saddleback Card is issued by the Bancorp Bank pursuant to license from MasterCard International Incorporated. The card is administered by Higher One, Inc.

You may contact HigherOne by phone at 1-877-405-8685, Monday through Friday from 6:00 a.m. to 8:00 p.m. Pacific Time.

You can login to your Saddleback Card account at any time.