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Don't know how to use the ATM. (Which option to pick?)

Answer: Higher One has three ATMs on campus. They are located on the first floor of the Lowman Student Center, in the Newton Gresham Library Main Entrance, and South Paw Dining. If you are using your Bearkat OneCard, remember to select Checking Account as the account type. Your PIN will be the PIN you entered during activation of your OneCard.

How to transfer money out of the account?

Answer: Money cannot be transferred out of you account online. However, there are a few different options. (1) Money can be withdrawn from the ATMs on campus anytime up to $500 every 24 hours. (2) A faster option would be to take the Bearkat One Card to any bank and do a Cash Advance from your card (up to $2,500 a day). You will be charged a minimum $5 fee or 1% of total transfer from Higher One for this transaction in addition to any fees the bank may charge.

How am I getting my refunds?

Answer: All refunds are sent by SHSU to Higher One. Higher One then sends out the money according to the refund option that was selected during activation. The BearKat One card is the fastest, with same day turnaround. However, you can also receive your refund via direct deposit to any bank account (2-days) or have a check mailed to you (7-10 days). If you are unsure of which option you chose, you should log into your account and verify. These options can be changed at any time.

How do I change the refund option?

Answer: The refund option can be changed at anytime. To change your refund option log on to your account at www.bearkatone.higheroneaccount.com. Under the option [Profile], click on financial aid refund. You may select to have your refund placed into a OneAccount, a third party bank, or have a check mailed to your primary address.

Why is the money going to the BearKat OneCard?

Answer: Often, the term “your money went to the OneCard” is used when describing SHSU refunds. In actuality, SHSU pays your refunds through Higher One (the company that produces your BearKat OneCard). Higher One pays your refund to you in the manner you’ve selected on our www.bearkatone.higheroneaccount.com profile.

How do I reset my password and unsuspended my account?

Answer: To reset your password, log on to the www.bearkatone.higheroneaccount.com, click “Trouble logging in?”. Supply the requested information about your e-mail address and card information to verify identity. You will then be given 4 numbers. A second set of numbers will be sent to your Sam Mail e-mail address. Together all 8 numbers will be your temporary password. This method can also be used to unsuspend your account. If you wish not to unsuspend your account this way your account will un-suspend automatically in 24 hours.  If you do reset your password, be sure to change the numeric code that Higher One supplies, with a password you will remember.

How long does it take the money to hit my account after making a check or money order deposit?

Answer: Due to the location of Higher One, it may take several days before your money is placed into your account. Check deposits deposits are overnighted to Higher One. For this reason it will take about 2-3 business days before the money is put into your account.

How is the Bearkat OneCard related to the OneAccount?

Answer: Your Bearkat OneCard is used to access your OneAccount. In order to use the OneAccount, all you have to do is select to open a OneAccount when you activate your BearKat OneCard. Once you have activated your OneAccount, the BearKat OneCard also functions as a debit card. This provides you the power to pay wherever MasterCard is accepted; over 24 million locations worldwide. The OneAccount is a debit card (not a credit card) so you also won’t have to worry about a bill at the end of the month. Payments are deducted automatically from your OneAccount at the time of your purchase.

What is the difference between the Bearkat Express and the Bearkat OneAccount?

Answer: Your Bearkat OneCard allows you to access two accounts. The Bearkat Express (for on-campus dining only) and the OneAccount (a free FDIC insured checking/debit account that meets your banking needs). For more information, check out the BearkatOne Tips.

Add Money or Check Bearkat Express Balance

Why must I activate my BearKat OneCard?

Answer: Activation of the ID card verifies Sam Houston State University you have received your card. Also the BearKat OneCard is your Sam Houston official university identification card. The ID must be presented to university officials upon request. Activation of the OneAccount is only an option. If your card is not activated, access will be denied to housing, dining hall, HKC, library and other university facilities.

How to activate your BearKat OneCard?

Answer: One you receive your BearKat OneCard, the activation process takes place online at https://www.bearkatone.higheroneaccount.com. Click the secure link and enter your card number. The online activation process is where you can set your preferences for receiving money from SHSU.

What does CVV2 mean?

Answer: If you need to reset your password for any reason. You might run into a question asking you to enter your CVV2. CVV2 is the Security Code that is printed directly on the back of your card. It is the last three digits that appear after the 4-digit number in the signature panel on the back of your card.

How do I activate my replacement BearKat OneCard?

Answer: After you report the loss of your BearKat OneCard, you should receive your replacement card in the mail. If your original card was already activated you do not need to repeat the same process. Simply log on to your BearKat One account and update your status under profile.

What should I do if I don’t receive my Bearkat OneCard?

Answer: When a card is ordered, you should receive that card in about 7 – 10 days. If you have not received your card, contact the Bearkat OneCard Office. We will check the status and estimated arrival date of your card order. If the card was not received, we will reorder it and have it sent to the OneCard office. The card office will contact you when it arrives and it will be available for pickup in our office in the Lowman Student Center suite 330.

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