The Higher One MasterCard debit card is used to refund credit balances on student accounts and issue work study payroll disbursements. A credit balance may come from payment of grants, scholarships or loans to a student’s account, overpayment of charges, or adjustments to tuition, fees, housing or meal plans. The Higher One debit card is mailed to degree seeking students after initial course registration.  The student should activate the card and select a refund preference. The One Account with Higher One is a free checking account with the debit card which can be used long after a student graduates or leaves Adams State University. To learn more about this card, please go to A replacement fee is charged by Higher One for lost or stolen cards.