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This page deals with refunds from overpayments. If you are seeking information on withdrawing from KU, consult our withdrawal section.

BankMobile Disbursements

Our Refund Company is BankMobile Disbursements - you may receive emails or communications from them as a valid partner of KU.

Some items to note:

1. Refund choices are done at

2. If you had the One Account with Higher One it's now located at, and called BankMobile Vibe!  Same access information.  Your Golden Bear Debit card still works as you knew it, the phone number on the back is still valid.  No need to replace the card itself.

3. BankMobile Vibe account holders will see LESS fees on their accounts now!  Including FREE ATM access at all ALLPOINT network ATM machines across the country and internationally! Allpoint Network of machines

Overpayment refunds are not released until after Financial Aid has begun disbursements and after the conclusion of the Drop/Add period for the semester or session. This will only occur once the account is actually overpaid with disbursed funds (your scheduled disbursement date is listed in your Financial Aid Award summary), not pending aid or payments. Please plan accordingly for expenses, such as books, at the beginning of the term or session.

What is this green envelope we got in the mail and do I need it? 

  • Yes! Even if you don't expect a refund - please make a choice today since you never know what the future holds.

How do I make a refund choice?

  • Refund Program - Students are mailed a bright green envelope containing a personal code when they first enroll at KU.  This personal code is used to access the refund program selection page ( where the student can make a choice of HOW they want refunds, should they ever be issued one at Kutztown University. We encourage a selection even if you don't anticipate a refund. There are THREE options, see below.

If I am expecting a Refund - when will I get it?

  • Spring 2018 refunds will be no sooner than 2/12/18.  Alternative Loans and Scholarships may begin to disburse sooner.  Federal Aid and State Aid is expected to begin to disburse 2/12/18. All disbursements could be later based on a students specific financial aid items or payments. We cannot receive aid earlier for off campus rent needs etc; plan accordingly. Amounts and disbursement dates are subject to change.

What are the refund choices exactly?

You will need the personal code to log into to make your refund choice. You may change your refund preference at any time!

1. Deposit into a bank account of your choice - checking or savings. You will need to enter your bank account information when you choose this option.

  • Availability of funds - 2-3 business days (depending on receiving bank)
  • Notification method - email or text message

2. Deposit into a Bank Mobile Vibe Account with funds available the same business day Kutztown University releases them. For this option you would be mailed a refund card  for access to funds, or you could order checks like any other checking account. This is an FDIC insured account.  The site to monitor your cards account is

  • It is a declining balance debit card only worth what is added to the account.
  • Availability of funds - same day funds are released by Kutztown University
  • Notification method - email or text message
  • Withdrawals can be made at any ALLPOINT ATM for FREE - max per day is $500.00. Fees may apply at other ATM's.
  • You can order checks for this account - do so now to pay landlords and other needed college expenses.

3. Paper check mailed home - no pick up option available. - **Option in the process of elimination

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

I never made a refund choice, I have a refund now and the green envelope is LONG gone - what can I do?

Personal Code Release / Re-issue:

  • NEW KU students joining the Golden Bear family Fall 2017 are mailed personal codes before the semester starts and only when the student is registered.  They are mailed to the HOME address.  This code will be used to log in and make a refund selection from three options.
  • Re-issue requests (new code requests) are handled two different ways. If the refund account is:
    • Inactive (no preference chosen) - the student should email the Office of Student Accounts from their KU email account requesting a replacement personal code.  The replacement personal code will be emailed to the KU email account and will only be valid for 24 hours.
    • Active and the student wants to make a change and can't access the site, or wants a replacement card if that was the option they chose, the student will call Bank Mobile (formerly Higher One) directly at 1-866-730-6627 to resolve this matter.

ATM Access if you chose the Bank Mobile Vibe account or currently have a Golden Bear Debit Card:

In compliance with the new Federal Cash Management regulations governing the refunding of federal funds to students, BankMobile VIBE account holders (previously Golden Bear Debit Card holders) can now access their funds FREE of charge at any ALLPOINT network ATM.  Local locations include Giant Grocery Store and CVS.  KU no longer is required to supply a unit on campus for this purpose and we have removed the Higher One unit in the South Dining Hall and the Higher One unit in the Student Union Building that you previously used.  To still afford students an on campus free opportunity to access these funds, we have added a Cardtronics ATM located where the old Higher One unit was in the student union building so that there is a location on campus.  Hours of access will be limited the Student Union hours of operation.  Having and maintaining a unit like this is NOT required with the new federal regulations, we elected to do this to help our students.


  • Allpoint Network of machines
  • Student Union Building - a cardtronics machine to the left of the PSECU machine at the entrance to the Cub Cafe

 To view our institution's contract with BankMobile, a Division of Customer Bank, click here