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TWUOne Card – The ONLY Way to Get Your University Refunds

TWU has contracted with Higher One to facilitate the delivery of refunds from the University. The TWUOne MasterCard logo Debit Card will provide students with 2 options on how to receive their refunds. The University will NOT issue refunds, so you MUST use the card number to choose an option for receiving any money due to you from TWU. 

(Per credit card regulation, billing adjustment credits due to a student whose account payment was made exclusively by credit card will be refunded back to the original card used for the transaction.)

  • TWU One Easy Refund - 1 business day or less
  • ACH to an existing bank account - 1 to 3 business days or more
  • Use your card to make your choice at!                      

TWU OneCard Frequently Asked Questions

How are TWU refunds delivered to students?  Refunds are delivered to students by Higher One based on the option chosen by the student.  Your card number identifies you in the Higher One system. Entering your card number allows you to get started with the card registration process, which is where you choose your preference for receiving refunds and any communications from Higher One.  NOTE:  The University will NOT issue refunds, so you MUST use the card to choose an option for receiving any University refund due to you.

How do I get my TWU Debit card?  Each registered TWU student will receive a TWU Debit Card from Higher One.  Your card will arrive in a bright green envelope through the mail at your primary address on file with the University. 

To receive a refund from the university, you must use your TWU Debit Card online to select your choice on how to receive your refund money.  For faster access to your funds, simply choose Easy Refund to open your TWU OneAccount.  Make your choice at!

I don’t think I will ever get a refund.  Why should I select a preference?  Even if you do not think you will be getting a refund from the University, you never know what may occur.  It may be necessary for you to drop a class, a class may be cancelled, you may receive an unanticipated scholarship or other award, or you may be entitled to a refund of your housing deposit.  Choosing your preference for receiving a refund from the University as soon as you receive your debit card will assure the timely delivery of your funds.  Remember, the University does not issue refund checks, so it is important that you use the card to make a choice for the delivery of your refunds at

If I pay my student charges online with an Electronic Check, will my bank account be credited for any refund I may be due for dropping or withdrawing?  TWU does not have the ability to credit your checking or savings account for any refund that may be due to you.  Refunds will be issued via Higher One and your selected preference for receiving refunds from the University.

If I pay my student charges online with a credit card, will my credit card be credited for any refund I may be due for dropping or withdrawing?  Yes, TWU will credit your credit card for credit balances that you may be due for dropping, withdrawing or other account adjustments resulting in a credit balance.

What are my options for receiving my refund?  Our options include having your refund:

        1.  Directly deposited to your TWU OneAccount (1 day or less).
        2.  Deposited to another bank of your choice (1-3 days or more).

The TWU OneAccount, what is that?  The TWU OneAccount is a full functioning FDIC insured FREE CHECKING account that allows you quick and easy access your refund dollars.  The TWU OneAccount has no minimum balance, no monthly fees, and free Internet banking features.  With it, you can:

  • Use your TWU Debit Card to make purchases anywhere MasterCard Debit is accepted. 
  • Get cash with no fee at a Higher One ATM located on each campus.

What are the advantages to having my refund deposited to the OneAccount?

  • A TWU OneAccount provides the quickest access to your money.  To have your refund directly deposited, choose Easy Refund to open your TWU OneAccount.   After your TWU charges have been paid, remaining funds (financial aid or other credits) will be released by the University and directly deposited to your TWU OneAccount. 
  • You can use the TWU Debit Card to make purchases at all participating merchants that accept MasterCard including the bookstore on campus, access cash at an ATM, pay bills, send money electronically, order checks, and so much more.
  • Use your TWU OneAccount to pay online by electronic check and avoid the credit card convenience fee.
  • There is no monthly fee or minimum balance for the OneAccount.
  • You can order checks from Higher One! 

How will I know when my money has been deposited to my OneAccount?  You will receive an e-mail from Higher One when any university refund has been deposited to your TWU OneAccount.  Additionally, you will be able to review your account transactions by accessing your TWU OneAccount Statement on the website.

Can I have my money deposited to a bank account of my choice?  Yes, you may have your university refunds deposited to the bank of your choice.  To do so, you must use the card number to choose this option online at  Before refunds can be deposited to the bank of your choice, you will need to complete, print and mail the third party form to the designated address.  The form is available during the activation process.

Can I receive a paper check instead of electronic deposit?  No.  A ‘Paper check’ option is not offered.  Refunds are strictly delivered electronically to the TWUOne account or to the third party bank of your choice.

Why the MasterCard Debit logo on the Debit card?  The MasterCard Debit logo on the card allows you to use it as a debit card wherever MasterCard Debit is accepted.  The card is NOT a credit card.  It is a DEBIT card.  Find out how to avoid PIN transaction fees by referring to the information found at

How do the OneAccount fees compare to other banking institutions?  Service charges and fees assessed by Higher One are competitive with commercial and local banks and credit unions.  Access this link for Higher One's fee schedule.  Insufficient and Overdraft fees can be avoided by practicing responsible fiscal management.  Avoid the PIN debit fee by selecting 'Credit' and signing for your transaction. 

Click the following link to review a cost comparison study conducted by Bretton Woods, Inc.  What are Banking Options Costing College Students? [pdf]

Is this my Student ID/TWU Campus Access Card?  No.  You will need your student TWU ID/ACCESS–Pioneer Card to use on campus.  Your TWU ID/ACCESS-Pioneer Card is used for library services, printing services, vending machines, and is your personal identification for all University related activities.

Additional Questions?  An activation demo can be found and answers to other questions will be addressed through online help at  Questions can also be addressed at the Bursar’s/cashier’s office on each campus. 

page last updated 8/11/2014 9:27 AM