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Summer/Fall
2016
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Wolverine One Card

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Is your mailing address in mySierra up-to-date? EVERY Sierra College student was sent a WolverineOne Card in the mail.

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Sierra College issues all refunds, including Financial Aid disbursements, through the Wolverine Card process.

A Wolverine One Card is mailed to all new students attending Sierra College. Upon receipt of the card, follow the attached instructions and select the refund method that best suits your financial needs. The Wolverine One Card is not a debit card unless you choose to open a OneAccount Checking account with HigherOne.

The following refund options are available:

Direct Deposit (ACH) – Refund will be deposited into an existing bank account of your choice.
Check – A check will be mailed to the address on record in mySierra.
OneAccount – Higher One’s checking account, the fastest method to receive your refund.

If no refund method is chosen then a default check will be mailed 14 days after refunds are processed to the address on record in mySierra from Higher One.

To learn more about Higher One, visit www.HigherOne.com/Higher101

What do students need to do?

The new Wolverine One Card will be mailed to each student’s current address on file with Sierra College. Therefore, it is critical that all students verify their mailing address on mySierra as soon as possible. Update your address on mySierra today!

Refunds will be automatically processed the week following the add/drop period also know as majority censes.  This is generally the 3rd week of each regular semester. Students must be enrolled in all courses by majority censes.

Have additional questions?

Visit WolverineOneCard.com or HigherOne.com to learn more about the Wolverine One Card.

Be informed – check out when fees may be charged!

Here is a list of frequently asked questions and answers

Allpoint ATM’s are located in the cafeteria and V building on the Rocklin Campus, and one each at NCC and Tahoe-Truckee.  Students may also use their debit card at any Allpoint ATM in our communities.  To find the closet community Allpoint ATM visit www.allpointnetwork.com.

Customer Identification Program (CIP)

Students who wish to elect a check or direct deposit will be asked some questions (create a log in, secret question, etc.) but you will not be asked to take additional steps to provide proof of their identity.

What is CIP?

The Customer Identification Program complies with Section 326 of the U.S.A. Patriot Act, passed in an effort to prevent terrorist funds from flowing freely within the United States banking system. The CIP Program ensures that required identity information is not only verified but is retained properly. 

Why do both the United States and Higher One need to comply with CIP?

Under the Patriot Act and other banking regulations, banks and other parties that handle or transmit funds must have a Customer Identification Program. 

Who should be verified?

All individuals who elect to open a OneAccount require verification. 

When should individuals be verified?

An individual should be verified after they have received notification from Higher One that additional information or documentation is required to complete identity verification. Higher One will attempt to verify each CIP record within one business day after receiving the form. 

How can students send ID verification information to Higher One?

For the students' convenience, Higher One has created several ways in which students can send information to us electronically.

  1.  Upload Your Identification Online!

This option allows a student to upload an image or PDF of an ID online. When a student chooses to upload the ID online, Higher One will review the provided documentation by the end of the following business day.

If Higher One is able to successfully verify the student's identity, the student's account status will be updated. Any restrictions currently existing on the OneAccount due to an unverified identity status will be removed.

  1.  Verify Your Identity Real-Time!

This option is a fast, convenient and real-time method for a student to verify his/her identity online using a Q&A process. When the student chooses to verify his/her identity online, a series of multiple choice questions will be asked, based on personal information.

If Higher One is able to successfully verify the identity, the account status will be updated. Any restrictions currently existing on the OneAccount due to an unverified identity status will be removed. 

Where can I find additional information about CIP?

In addition to the information found in this section, more tips are available in the "Learning Portal". As always, you can speak with your Relationship Manager, Project Manager, or One Support Analyst for more details. Information is also available by using the EasyHelp tool. Perform a key word search using "CIP" as the search criteria. 

What happens if a student does not have a valid form of ID?

In accordance with Banking Regulations, Higher One must verify every account holder's identity. If a student cannot present an unexpired, government issued photo identification document, there are a few alternatives. The account holder can present a combination of the following documents to Higher One: Current Proof of Date of Birth, Current Proof of Social Security Number, and Current Proof of Physical Address. Once Higher One receives these documents, Higher One will review the documents and advise the Cardholder if any additional action is required to ensure that verification can be completed. 

What if an identification document expires tomorrow (or next month)?

The identification document has to be valid as of the day you view it. If it expires today (the day you are looking at it) or tomorrow, it is still valid. If it expired yesterday, it is not valid for CIP purposes. 

Can I send CIP information electronically before I have carded an individual and before they are in the Higher One system?

No, we do not accept CIP information electronically for any individual that has "not yet been carded". The CIP process is only required for those cardholders who elect to open an account with Higher One. Therefore, it is not necessary to submit CIP information for all students. However, you can assist those students who request assistance with the CIP verification process by using the Verify Cardholder Identity feature in Higheronesupport.com if your School has opted to utilize this feature. 

How is the security of CIP Records ensured?

All Higher One privacy and security procedures that apply to data gathered from account holders extend to information gathered for CIP as well. All paper records are stored in a secure environment and only authorized personnel have access to these records. All electronic data is stored in the same secure, encrypted manner as other electronic data collected by Higher One. 

I sent in a copy of a Driver's License a week ago, but the account holder still hasn't been verified. How did that happen?

At times, photocopies that Higher One might receive are too dark and illegible; therefore we aren't able to verify the identity of the account holder. We try to avoid this by all means. Using the options below will help to avoid this situation, as we can contact the student if there are problems. If you find yourself in this situation, here are some tips:

  • Verify the student online using the "CIP - Verify Cardholder Identity" feature
  • Encourage the student to either upload a copy of their ID or use the Q&A feature
  • Use the Student CIP Processing Form and fill out all of the fields 

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