Important Information Regarding Refunds  

Some types of financial aid can only be used to pay for certain charges. Therefore, you may receive a refund even if you have outstanding charges on your student account. If a balance remains on your account after you receive a financial aid refund, you are responsible for paying it in full on time each semester.  Please review your student account frequently throughout each term for balances owed.

It is important to note that credit balances resulting from self-payments (ex. Cash, check, credit card, etc.) will be used to pay any outstanding debt owed to the University, to include debt for future terms.  Credit balances resulting from sponsored payments will be reviewed to determine whether the funds should be returned to the sponsor.

Refund Options

The University of North Texas has partnered with BankMobile (previously Higher One®) to process student refunds for all UNT students. This partnership allows for more efficient processing of refunds.  Refunds sent to BankMobile will be processed according to the refunding method the student has elected.

In order to minimize delays, students should log into the UNT refunding preference website by CLICKING HERE and make a refund method selection. Failure to select an option will delay your refund.

  • Direct Deposit (ACH) – If you choose this option, you will need to enter your existing bank routing and account numbers, your refund will be deposited into this account.  Typically this takes 2-3 days for the money to become available in your account from the date your refund is processed. 
  • Paper Check - If you choose this option, a paper check will be mailed to you.  Please note that it may take up to 10 days from the date of disbursement for you to receive your refund from the date your refund is processed.  Make sure that your current mailing address is up-to-date in the student center to prevent additional delays of your initial refund.
  • Vibe Debit Card - If you choose this option, a debit MasterCard will be mailed to you.  You will immediately have access to a virtual debit card that you can use for on-line transactions until you receive your debit card in the mail (Please note: the virtual card may not be accepted for in-person transactions).  Typically your money will be available in this account the same day refunding is processed by the university. To view our institution's contract with BankMobile, a Division of Customer Bank, click here.

Students should choose the refund option that best fits their needs.  FDIC's "Money Smart" is a good resource to consult when deciding which option to choose. Please note that if you do not select a refunding option, any refunds due to you may be delayed.

For New Students

Students that are new to the university will receive a GREEN ENVELOPE sent to the mailing address listed on your student account after you have registered for at least 6 hours or have a credit balance on your account to be refunded.  The envelope will contain a personal code to login to the UNT refunding preference website which can be accessed by CLICKING HERE.  Follow the directions to choose 1 of the 3 options listed above to receive your refund. All options are free to students for refund processing (other fees may apply).

For Returning Students

Students that have not yet chosen their refunding preference will need to locate the previously mailed GREEN ENVELOPE or contact Student Financial Services for assistance.

ATM Accessibility

BankMobile – Vibe (previously Higher One®) customers have access to the Allpoint network, the largest ATM network.  Customers are able to get their cash surcharge-free at 55,000 ATM’s worldwide!  Please click on the Allpoint network locator to find the location closest to you. 

ATM Locations

  • Your Existing Bank – Check your bank’s website for the ATM locator to find the closest location to you.
  • Vibe Account Debit Card – This card can be used at any of the Allpoint locations.
  • Wells Fargo and Bank of America ATM’s are located on the UNT Denton campus in various locations.


The answers to many of your questions can be found by CLICKING HERE

When will I receive the green envelope?

Students that are new to the university will receive a GREEN ENVELOPE sent to the mailing address listed on your account after you have registered for at least 6 hours or have a credit balance on your account to be refunded.

How do I select a refund preference?

Selecting your refund preference can only be completed online. However, never's fast and easy! To ensure timely disbursement of your refund, please select your refund preference as soon as possible. To get started, simply:

  • Visit the website listed on your refund selection kit
  • Click the 'Get Started' button.

When selecting your refund preference, we suggest making a mental note of your password and/or PIN for future use in logging into your account or Profile.

How can I change my refund preference?

You may change your refund preference at any time at no cost to you. It's quick and easy!

  • Log in to your profile.
  • Under the 'Refunds' tab, click 'Refund Preferences.'
  • Choose your desired refund preference.
  • Click 'Update Preference' to submit your request.

Please be aware that changes to your refund preference only affect future refunds, not refunds that have already been disbursed.

How does the Vibe Debit Card work?

Please note:  The Vibe debit card is only one of 3 available refund options and is not required.  However, a refund selection must be made by every eligible student even if you are not expecting a refund.

The Vibe debit card is a non-interest bearing, FDIC insured internet-only checking account, serviced by BankMobile. with student-focused features. Funds are deposited to the Vibe debit card the same business day they are released by your school. With theVibe debit card you can enjoy:

  • No minimum balance requirements
  • The convenience of using Debit MasterCard® at millions of locations worldwide
  • Surcharge free ATMs that are on the Allpoint network
  • Mobile App
  • Online Bill Pay & Photo Bill Pay
  • Mobile deposits
  • Card On/Off Switch
  • Online and mobile money management tools
  • Financial education information

How do I get my PLUS refund check verified to be cashed?

  • The financial institution where you will cash or deposit your PLUS refund will call the check verification number on the front of the check for approval to process the check. The check verification telephone number is 1-866-629-2658.

What if my check has been verified but I need to cash it with a different merchant?

  • Once approval is provided that merchant is the only business that can process the check.  If you wish to go to a different merchant, you must contact the school.