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UM is partnering with Higher One, a financial services company, to provide students with electronic refunds starting spring semester 2011. Higher One, a financial services company focused solely on higher education, offers faster, electronic delivery of refunds to students.  Additionally, Higher One offers a robust line of bank services.  The two checking accounts are summarized in the chart below.

Checking Accounts

Our OneAccount and OneAccount Flex checking accounts are designed to offer faster refunds and increased money management choices to fit every student's budget and busy lifestyle. OneAccount Flex is available to existing OneAccount holders.

All of our accounts offer convenient mobile banking features; serious cash back incentives with OneRewards and easy Online Bill Pay solutions. Choose the checking account that best fits your lifestyle.

  • Same day deposit of your student refund into a FDIC Insured bank account.
  • With a OneAccount/OneAccountFlex, you can use your UM Refund Choice Card to make purchases wherever Debit MasterCard is accepted.
  • Over 1 million college students have chosen an Easy Refund to a Higher One bank account.


To view an existing Higher One Account, Click Here.

For more information on Higher One bank accounts, Click Here.

Instructions for making your Refund Choice.


  • ACH Transfer to other bank (direct deposit).
  • Easy Refund to the OneAccount/OneAccount Flex.
Choose Your Refund: Click Here


  • Easy way to manage your money in college and after graduation.
  • Mobile Alerts 24/7/365.
  • Cash-back rewards for students.
  • Convenient features like Online Bill Pay and Payroll Direct Deposit.
  • Money management tips and tools.


  • Text “BAL” to 67298 and get your OneAccount balance instantly.
  • Receive student refund notifications.
  • Receive balance alerts.


  • Students receive up to 25% cash back for simply using your UM Refund Choice Card at participating merchants.
  • Log in to your OneAccount.
  • click on the OneRewards tab to learn more.

Business Services
Emma B. Lommasson Center
Room 236
The University of Montana
Missoula, MT 59812