Refund/PCT OneCard Frequently Asked Questions (FAQ)

How are Pennsylvania College of Technology refunds delivered to students?

Each student will receive a PCT OneCard from Higher One. Your card will arrive in the mail at your home address on file with Penn College. To receive your refund, you must activate your PCT OneCard. During card activation, you will choose how to receive your refund money.

What kinds of money might I receive from Penn College?

The most common type of money Penn College refunds to students are funds left over from financial aid awards, loans, or grants after tuition has been paid. Students receiving these funds have usually requested this additional support to help with books and living expenses. Other types of money may include reimbursement for tuition deposits, dropped classes, on-campus housing security deposits, and meal plan refunds.

Why am I getting a Personal Code from Higher One?

You will use your Personal Code to make your refund selection at the PCT OneCard website.

How will I get a Personal Code?

You will receive your Personal Code in the mail at your primary address on file with Penn College. Just look for the bright green envelope and please make sure your address is up-to-date.

When should I expect to receive my Personal Code?

Personal Codes for new students will be mailed by Higher One following attendance of their Summer Connections session. Personal Codes for all other students who have not previously received one will not be mailed until after they have registered (paid) for their semesterís classes.

What if I do not receive my PCT OneCard in the mail?

You may log on to PCTOneCard and use the "Where's My Card" self help feature that will provide you with the real time status of your Personal Code and card. Or, you may visit the Bursarís Office/Student Accounts in the Student & Administrative Services Center, Room 2098.

How do I make a refund selection?

Once you go to the PCT OneCard website, you enter your Personal Code to gain access to make your refund choice. On the website you chose your own username and password to protect your information. Once logged into this site, you can make your refund choice, set personal preferences, view your refund status, and much more.

What are my options for receiving student refunds?

All students are now required to have their refunds direct deposited to a bank account. Your options include having your refund:

  1. Directly deposited to your OneAccount - Easy Refund (same day).
  2. Deposited to another bank account of your choice (2 Ė 3 business days).
What is the OneAccount?

The OneAccount is a non-interest bearing, internet-only checking account, serviced by Higher One, Inc. Itís exclusively designed for college students with features that support a mobile lifestyle, equipped with security features like cash deposit limits and cash withdrawal limits, offering money available the same day itís released by Penn College.

If you choose to open an OneAccount, it is important to note that the PCT OneCard Debit MasterCard® is not a credit card but rather a Debit MasterCard® linked to your OneAccount.

How is my money delivered?

Delivery of refund money is a multi-step process. First, Penn College draws funds from the respective loan and/or grant provider and applies it to your student account. Once this information is verified, it is sent to Higher One. Once the specific refund information is received, it is processed and disbursed according to your selection.

Can I change my preference for receiving money from Penn College?

Yes. Just log in to your PCT OneCard account and select "Refund Preferences" from the "Refund" menu option. Once on the page, simply make your new selection and click the "Update Preference" button to complete the process. Be aware that your new selection will only impact future money you receive from Penn College.

How will I know when my money has been sent?

Higher One will send you an e-mail to the address you entered during setup. You can also view the status on the PCT OneCard website.

Why am I getting a card?

If you make your refund preference selection and choose the OneAccount, the card will be activated for use as a Debit MasterCard® and linked to your OneAccount.

Do I need to activate my Personal Code even if I think I will not receive a refund?

Yes, it is recommended that you activate your code and select a refund option even if you think you will not receive a refund. Remember, the following types of refunds will be disbursed through the PCT OneCard:

  • Financial Aid and student loans
  • Tuition (if you drop a course within the refund timeframe or decide not to attend)
  • Meal Plans
  • Housing Security Deposits
What will happen to my refund if I don't activate my Personal Code?

Higher One will not be able to disburse your refund to you. Regardless of whether or not you anticipate that you will receive a refund, it is important to activate your Personal Code and choose a refund preference.

Note: If your refund contains Title IV funds federal grants and loans), Federal law now requires Higher One to issue a paper check to your home address if you have not made a refund choice within 21 days from the time Higher One receives your refund for distribution. Not activating your card and making a refund choice means it will take about one month to receive your refund check in the mail.

Can I select a paper check?

No, all refunds will be issued by direct deposit either to your OneAccount (Easy Refund) or to a bank account of your choice.

Where can I use my Debit MasterCard®?

You can use your PCT OneCard to make purchases anywhere Debit MasterCard® is accepted. There are more than 32 million locations worldwide.

Will I be charged a fee for using my PCT OneCard to purchase merchandise?

Please note that there is a fee associated with each PIN-based transaction(see fee schedule) and we strongly recommend the use of your PCT OneCard in 'credit' mode. 'Credit' mode requires you to swipe the card and sign your receipt. It is also a clever way to avoid paying PIN-based transaction fees.

Will I be charged a fee for using my PCT OneCard at the First National Bank ATM in the Bush Campus Center?

The FNB Bank ATM will not charge you a fee when you use your PCT OneCard. However, Higher One will charge your account a "Non Higher One ATM Transaction" fee (see fee schedule) for using an ATM that does not belong to them. To ensure that you are not charged any ATM fees, it is recommended that you use the Higher One ATM located outside the Penn College Store in the Bush Campus Center or in Dauphin Hall for your cash withdrawals.

How will my parents receive their Parent PLUS refunds?

Any refund resulting from Parent Plus loans will be mailed by Penn College directly to your parents in the form of a paper check. Parents do not have Penn College accounts and their refunds cannot be processed through Higher One.

What if I have additional questions?

For more information about the PCT OneCard and refunds, refer to the OneAccount User's Guide, visit PCTOneCard's Easy Help, or call Higher One Customer Support at 1-877-261-9370.

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