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Your OneAccount Can be Used for Free…

Here’s How

The OneAccount is FDIC Insured and offers free checking with no monthly fees associated with normal use. Many commercial banks offer free checking as long as you meet certain criteria such as maintaining a minimum balance every month, or having at least one direct deposit scheduled every month. With a OneAccount, there are no minimum balance requirements and no minimum deposit requirements as long as you are a student at Merced College.


There are some banking services offered by HigherOne that do carry a fee. These are services that most banks charge fees for. View the Higher One Fee Schedule.

Can you avoid paying fees and use your Merced Blue Card and OneAccount for Free? Absolutely! Here’s how:

  1. Just “Swipe and Sign: For Fee-Free Debit MasterCard Purchases
    When using your Merced Blue Card to make purchases always choose “credit” instead of “debit” at the checkout. Swipe the card and sign the receipt. When you swipe & sign, you won’t be charged the PIN-based transaction fee.

  2. Use Free ATM
    You can use your Merced Blue Card to withdraw cash at any ATM. Use a HigherOne ATM to withdraw cash for free and avoid any “foreign” ATM fees. Higher One has made an Agreement with Merced Schools Employee Federal Credit Union (MSEFCU) to use the ATMs located on campus Fee Free. Note this presently does not include the MSEFCU ATMs at the branch locations.

  3. Check Your Free Online, Real-Time Statement Often
    Check your available balance frequently on your online OneAccount statement to make sure you have enough money to cover any purchases or cash withdrawals. It’s updated in real-time and available 24/7/365 when you need an up-to-the-minute account balance. Your statement makes it easy to be responsible and avoid “insufficient funds” fees.

  4. No More Stamps
    Set up automatic debit payments through Debit MasterCard using your Merced Blue Card and you’ll save money on checks and postage when paying recurring bills such as cell phone, cable, utilities and more. You can learn more about recurring Debit MasterCard payments.

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