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Parent's Guide to the OneAccount

What parents should know about the many features and advantages of the BCC Debit Card & OneAccount

As an involved parent of a college student, it’s likely you will have questions about how your son or daughter will cope on their own. Will they be able to handle the pressures of balancing academic structure with social freedoms? How will they manage their money? While your student’s College or University will be doing everything they can to help them adjust to college life, Higher One can help manage their financial life.

Introducing the BCC Debit Card & the OneAccount

The BCC Debit Card is the one card your student will find indispensable for:

• All the purchasing power of a Debit MasterCard^®.
• Making purchases, getting cash, paying bills.
• Free checking and 24 hour 7-day-a-week banking.
• The most convenient, powerful, and easy-to-use combination to help manage their finances.

Using The BCC Debit Card

Students can use their card to make purchases at millions of locations worldwide wherever Debit MasterCard^® is accepted. In addition to valuable purchasing power— carrying the BCC Debit Card is safer than carrying cash, and easier than writing a check. All of your students' purchases will show up directly on their OneAccount online bank statement so you'll have the added benefit of always knowing how much money they've spent, where they have spent it and how much they have left in their account.

MasterCard® Zero Liability policy!

Higher One offers you peace of mind by providing MasterCard® Zero Liability policy when you make signature based purchases with your Debit MasterCard. Zero Liability means you are eligible for protection against fraudulent purchases made with your card. Be sure to always safeguard your card and report the theft promptly. Learn more about terms and details of the Zero Liability policy provided by Higher One.

The OneAccount

Your student can simplify their banking with the OneAccount from Higher One thanks to:

• A free FDIC insured checking account.
• Banking with no monthly fees and no minimum balance required.
• The ability to make deposits easily with electronic fund transfers from any bank account.
• Online banking 24 hours a day, 7 days a week.
• The ability to easily track deposits, checks and debit purchases with a detailed online statement.
• The convenience of online check ordering at http://www.bccdebitcard.com.

Easy Refund^SM

With an Easy Refund, your student's money is deposited directly into their OneAccount as soon as Broome Community College releases it. This direct deposit means instant access to their funds.

EasyHelp^SM

EasyHelp is an interactive "Frequently Asked Questions" system that enables cardholders to quickly and easily find answers to questions relating to the use of the [school name] OneCard and the OneAccount. EasyHelp is available online anytime and provides immediate answers to the most frequent program questions. Parents and students can use EasyHelp 24 hours a day, 7 days a week by logging on to http://www.bccdebitcard.com and selecting the "EasyHelp" link.

Simplify life with recurring payments for cell phone & other bills

With the OneAccount and BCC Debit Card, your student can pre-authorize automatic deduction of recurring payments such as cell phone bills, cable TV and utility bills. Your student budgets the money to make the payments, but you make sure they're paid on time every month. Recurring payments save time and money because there are no stamps to buy and no time wasted stuffing and addressing envelopes. Your student will find a convenient list of companies that accept Debit MasterCard^® payments when they login to their OneAccount, and select "OneAccount" followed by "Spend." Simply have them look for the "Recurring Payments" option to get started.

Send money to your student. Here's how!

Simply log on to http://www.bccdebitcard.com, click on the "Sign Up To Send Money" button and follow the instructions. Once you've added and confirmed a funding account, such as your own checking or savings account, you'll be able to transfer money electronically to your student’s account.

Track student purchases the easy way

When your student uses their BCC Debit Card to make purchases, keeping track of spending is easy. The OneAccount online statement clearly shows every:

• Deposit
• Money transfer
• Debit MasterCard^® purchase
• Automatic bill payment
• Check written

The clear and concise statements allow you to monitor and identify any trends in your student’s spending habits. The OneAccount truly makes planning and sticking to a budget simple while they learn how to manage their money.