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In order to avoid additional cost or fees, you will need to do the following:

  1. Select an account preference upon receiving your card from Higher One.
  2. Log onto the account AT LEAST once every 9 months.
  3. Use the Higher One ATM locations provided on campus (University Center or RAC) or any other Higher One ATM location.
  4. Always safeguard your card.
  5. Always use “Credit” (Not Debit) when using the card for purchases.

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https://wiki.umbc.edu/x/34N1AQ

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