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Refund Process - FAQ

Provided below are answers to the most frequently asked questions about the refund process:

Frequently Asked Questions

What do I do when I receive the Refund Selection Kit envelope?

The refund selection kit is required in the setup process to determine how you receive future refunds from WKU for residual amounts or any other reason. To avoid delay in receiving any money due you, please use the personal code, included in the kit, to access the BankMobile website. During the setup process you will choose your refund preference. Even if you do not receive financial aid, you may be eligible to receive a refund from WKU in the future. For example, if you drop a class during the drop/add period, or if you withdraw, you may be eligible for a refund so don’t ignore your refund selection kit. 

You will receive a Refund Selection Kit shortly after you enroll. A bright green envelope will be mailed to your current address on file with the university. If your initial kit is mailed to the wrong address, please contact the Card and Collections Office at 270-745-5551 or visit us in Potter Hall, Room 208.

What are my options for receiving financial aid or other refunds?

BankMobile provides two options:

Option 1: Deposit to another account. (2-3 business days).

Option 2: Same business day deposit to a OneAccount. (fastest option available).

NOTE: The university does NOT issue refund checks, so you MUST choose an option for receiving any refund due to you. The funds are sent from the university to Higher One who then disburses the refunds according to the choice a student has made during the selection process.

How do I get my Refund Selection Kit?

Each registered WKU student will receive a Refund Selection Kit from BankMobile Disbursements. Your kit will arrive in the mail at your current address on file with the university.

Is this my Student ID card?

No. You still need your student WKU ID to use on campus. Your WKU ID is used for library services, printing services, meal plan purchases, and is your personal identification for all university related activities.

How do I choose a refund preference?

Go to and click the green “Let's Get Started” button. Follow the instructions to set up your refund preference.

Can I have my refund deposited to another bank account?

Yes, you may have your financial aid refund or other refunds deposited to the bank of your choice. In order to have your refund deposited to your bank, you must first use Personal Code, included in the Refund Selection Kit, to access and select Deposit to another account.

When will I get a refund?

Should the student have a negative balance after Financial Aid is applied to the account, a refund will be generated for the student. Title IV regulations state that in most cases refunds should be processed for students within 14 days of being applied to the student’s university account. An exception is when financial aid is applied prior to the start of classes for that term; then it is 14 days after the first day of class. In most cases, students at WKU receive their refunds faster than this time frame.

WKU begins processing financial aid refunds for current semesters on Mondays. The file will typically be sent to BankMobile for processing on Tuesdays.

Please note your account will show a “Refund” or “Residual” and dollar amount in TopNet before funds will be released to you through BankMobile. Should your account show a negative balance this does not mean that WKU has processed a refund for you. Your account balance will have to show a zero before funds will be released.

Even if a student receives a refund from WKU, this does not mean that their university account is paid in full. Student must check their Topnet account to verify that their account is paid. It is the student’s responsibility to pay any outstanding balances with the university.

How long does it take to receive my refund?

Funds are sent from the university to BankMobile who then disburses the refunds according to the choice a student has made. Refunds to be disbursed into the BankMobile Vibe account are available immediately after processing. Refunds disbursed by ACH transfer (direct deposit) can take 2 to 3 business days for the recipient bank to process.

I don't think I will ever get a refund. Why should I select a refund preference?

Even if you do not think you will be getting a refund from the university, you never know what may happen. It may be necessary for you to drop a class, a class may be canceled, or you may receive a scholarship or other assistance that you were not anticipating. If you have setup your refund preference, your refund will be delivered to you in a timely manner. Remember, the university does not issue refund checks, so it is important that you make a choice for your refund preference. Additionally, the university utilizes BankMobile to process student payroll – allowing students to receive payroll directly to the BankMobile Vibe account or directly to another bank account.

How can I check my BankMobile Vibe account information?

The BankMobile Vibe Account is not associated with WKU. 

Questions regarding BankMobile Vibe should be directed to 1-866-730-4695

What is an ACH Transfer?

An ACH or Automated Clearing House transaction is an electronic funds transfer. This option allows for your refund to be directly deposited to an existing bank account. To setup your direct deposit you will complete an ACH form and submit it to Higher One. You can mail or fax the completed form to Higher One or drop it in the Higher One communication box located on the 2nd floor of Potter Hall on the main campus, near the bookstore entrance at the Glasgow campus or near the food court on the South Campus.

When will I know when my refund has been processed?

You will receive an e-mail from BankMobile to your WKU email address when your refund has been processed indicating the option by which you chose to receive your reimbursement. Additionally, you will be able to see details of your BankMobile account by accessing your statement on the website or you may opt-in to receive a text message directly to your cell phone with mobile alerts.

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 Last Modified 6/16/16