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Refunds

This page deals with refunds for overpayment.  If you are seeking information on refunds as a result of withdrawal from KU, consult our withdrawal section.


 

Overpayment refunds are not released until at minimum three (3) days after the conclusion of the Drop/Add period for the term or session and only once the account is actually overpaid with disbursed funds.  Please plan accordingly for expenses, such as books, at the beginning of the term or session.

Golden Bear Debit Card sample

Did you receive a card in the mail and it looks like a credit card offer?  DON'T THROW IT AWAY - it is not a credit card offer!

Use the 16 digits ON the card to log in and choose how you want to get any refunds you may receive from KU.  We encourage all students to make a preference even if they are not currently expecting a refund.  Options/preferences are listed below - there are 3 of them, you do NOT have to use the card itself.

Card Release / Re-issue:

  • NEW students are mailed cards before the semester starts and only when the student is registered.  They are mailed to the HOME address.
  • Re-issue requests may be made by email.  Student should email from their KU email account, list their current HOME address they want the card sent to (this MUST match the current HOME address in MyKU).  Third replacement requests will result in a $15.00 fee which will be added to your MyKU account..
  • Cards are not issued to students under the age of 18 OR students with an international permanent address.
  • GBDCs are NOT forwarded - For your protection, all cards sent to an address with a forwarding order in place are returned to Higher One.  If this has happened to you, or your address was wrong and not updated, you will need to update your address in MyKU and notify us that you have done so.  We can then request a replacement/re-issued card. 

Refund Choices:

You will need the 16 digits on the card to log into www.GoldenBearDebitCard.com to make your refund choice - you do NOT have to use the card option.

1. Deposit onto your Golden Bear Debit Card (OneAccount / GBDC / Easy Refund) - this is a declining balance debit card that has a Master Card logo for purchasing.  No fee for making purchases as a MC.

  • This is NOT a CREDIT CARD.
  • Availability of funds - same day issued
  • Notification method - email or text message
  • Higher One ATMs will be on campus for FREE withdrawals from the GBDC only - max per day is $500.00.
  • You can order checks for this account - do so now to pay landlords and other needed college expenses.

2. Deposit into the bank account of your choice - you will need to supply your bank account information when you choose this option.  You will still need the GBDC to log in and make your choice - hold onto the GBDC should you wish to activate it later.

  • Availability of funds - 1-3 business days (depending on receiving bank)
  • Notification method - email or text message

3. Paper check mailed home - no pick up option available.  You will still need the GBDC to log in and make your choice - hold onto the GBDC should you wish to activate it later.

  • Availability of funds - 5-7 Business Days (depending on postal service)
  • Notification method - email or text message

Process to Follow after Card Receipt:

When the card arrives at home, you will need to log into www.GoldenBearDebitCard.com.  Enter the 16 digits on the front of the card and validate your identity as requested.  You will then be prompted to make a refund choice.  If choosing the direct deposit option, be sure to have your own bank account information handy (you will need to mail in a signed release).  After you are done, you will receive an email confirming your selection.  You will need to log BACK into the site and confirm with that email.  At that time, you can choose your notification preference - such as mobile text or email telling you when you have been issued a refund.  You then wait for refunds to be issued.

If you chose the OneAccount - the Golden Bear Debit Card itself, you can:

  1. Deposit funds on that card and start using it today.  Remember, it is a declining balance debit card that happens to have a MC logo for purchases - this is NOT a credit card. The card is only worth what you add to it or what is added to it from your refund.  Parents can add money to it as well - see that option on the website.  When making purchases if you use it as a debit card there will be a 0.50 per use charge; however, if you use it like a MC, there is no fee to you at all from Higher One.
  2. Order checks from the account and use it as a fully functioning bank account including online bill pay options and more - for more information check out their site.  The bank account is FDIC insured.

Golden Bear Debit Card FAQs (PDF)

Student Parent Guide (PDF)- Please note that Kutztown University also offers a Paper Check option not listed.

ATM Access:

Golden Bear Debit Cardholders can access their funds FREE of charge from one of two ATMs on campus.  Be sure it is a Higher One ATM unit to avoid fees.  You may receive up to $500 per day.

Locations:

  • Student Union Building
  • South Dining Hall

If the ATM's on campus are not in-service, Higher One commits to refund costs incurred for utilizing another ATM up to $4.00.  The link below is Higher One's ATM Commitment.  In this document you will see how to log in to their site and submit an EasyHelp incident to request the credit.  We do not anticipate outages, but we are prepared for them.  Higher One is electronically notified by the unit when there is an error or problem so that they can rectify the matter in a timely way.

Click here to view the ATM Commitment and to see how to submit the online request for credit for ATM fees from another bank during an outage of Higher One ATMs.