1. What is BankMobile?
A process to select how to receive student refunds and student payroll payments It is fast, secure, and convenient.
Go to: to select a refund option
BankMobile was recently known as HigherOne
You are not required to open a BankMobile Vibe account… you may transfer funds to your own bank!

2. Provides a Choice!
Your personal code is the key to log into the website to select a preference for how to receive your refund or student payroll payments.
The CHOICE is yours, you may…..
Direct Deposit into your own existing checking/savings account If you already have a savings or checking account at a bank, choosing Deposit to Another Account is the best option.
Open an account with BankMobile – A BankMobile Vibe Account

3. Why BankMobile?
To provide direct deposit and a debit card for students who are not able to open a bank account for various reasons
To provide a faster way of getting students their money
To prevent issues with check fraud
Checks that are lost or stolen are better able to be addressed by a third party provider
BankMobile is a Financial Services company – they have expertise in providing financial services

4. Watch for the Green Envelope
All students, after they have registered for credit courses, will be sent, via US Mail to their permanent address on file at LSC, their Refund Selection Kit (takes about one week to receive)
After receiving your personal code, log into enter your code and select the refund option that is best for you.

5. What Should I do to Prepare?
The Refund Selection Kit is being shipped to your permanent address. MAKE SURE YOUR ADDRESS IS CORRECT!
To change your address:
Log in to E-Services on the LSC Web site
Click on Account Management
Click on Address Info
Find the permanent address option, click Edit, change the address information, and click Change Address
Your permanent address is the one that is used for all school mailings including the BankMobile Refund Selection Kit.

6. What Next? Log on to www.RefundSelection.com
Type in your Personal Code and then click “Get Started”

7. Make a Selection

8. The Choice is Yours!
While the choice of payment option is yours, other students have told us:
If you already have a savings or checking account at a bank, choosing Deposit to Another Account is the best option.
If you are not able to open a bank account, BankMobile is a solution for you to have a bank account with a debit card.
If you do not choose an option a paper check will be mailed after 3 weeks. It may be difficult to cash a paper check because it is not from a local bank.

9. POINTERS…
If there is anything wrong with your Refund Selection Kit (e.g., name spelling, etc.), contact the Student Payment Office BEFORE you choose your preference.
You can make payments to individuals (e.g., landlords, etc.) directly from your BankMobile account at no charge even if you don’t have checks.
You can transfer funds directly from your BankMobile account to someone else with a BankMobile Account (or they can transfer to you) at no charge

10. FAQs Why must I choose a refund preference?
It is required to choose a preference so that LSC knows how to disburse any refund money or student employment payments owed to you now and in the future.
What happens if I do not log in to and choose an option?
If you do not choose a refund option, you will be mailed a check after approximately 21 days. The check will be mailed to the same address as your card, unless you log in to the BankMobile site and change your address.

11. FAQs Do I need to do anything extra for student payroll?
Be sure to choose the appropriate preference; refund and/or payroll. If you receive both, you need to make a choice for both.
What do I do if I am told I need to do a CIP verification?
CIP Verification(Customer Identification Program) must be done online with BankMobile. You will need a current, official picture ID. Contact BankMobile Customer Service with any questions.

12. Questions? General Questions: BankMobile Account Questions
Send an to the Student Payment Office at to ask a question or get additional information.
Call the Student Payment Office at (218) or stop by the S Building, 1st floor.
BankMobile Account Questions
BankMobile Support
BankMobile online
Use the red phone outside the Student Payment Office
Click the FAQ link in the top right corner of your BankMobile
Not sure what address to use above or about Student Forums?

13. Thank-you!
The following slides provide more specific information for those who choose the BankMobile Vibe Account for their refund/student payroll payments.

14. IF you choose BankMobile Vibe
Your BankMobile Card is your debit card
If you have funds in your account, your card can be used anywhere that accepts MasterCard debit cards
Avoid Fees! Learn how to avoid fees (later slide)
Track your transactions!
Check your real-time statement online often!
Remind to have other information available
80% verified through Lexus/Nexus – you may be contacted to provide additional documentation

15. Track Financial Information
Verify the deposits you have made appear on your online statement
Verify the “withdrawals” – are accurately reflected on your online statement. This includes
ATM Transactions
Debit card transactions – Point of Sale Transactions or “done at the store”
Checks – if you are choosing to use checks

16. Deposits & Fees Deposits
EasyDeposit Mobile Check Capture: send a photo of your check to deposit
EasyDeposit Check Capture: scan your check to deposit
US Mail: mail a check for deposit
Transfer Money: from a third party bank account
Friends and Family: can register to transfer funds
Fees: See the “Guide to Fees” in the FAQ section of the website

17. General Tips
You, not your financial institution or college, are responsible for monitoring account activity.
Use automatic bill pay to reduce the number of checks you write.
Understand fees. Fees can be avoided entirely by understanding how the card works.
Proactively close your account with your financial institution – don’t just take out the funds and walk away.
Use free ATMs.

18. Critical things to remember
Are you protected?
All BankMobile accounts are protected MasterCard Zero Liability Policy
Policy ensures that the card holder is not responsible for signature based (credit) purchases made by someone other than the card holder
To ensure that the policy is in effect, card holders need to swipe and sign (select credit at merchants)
If the card is lost or stolen, call BankMobile customer support ( )

19. Thank-you! If you have questions:
Send an to the Student Payment Office at
Call the Student Payment Office at (218) or stop by the S Building, 1st floor.