The University of Maryland Baltimore ("the University") is providing you with this initial disclosure to detail what rights you have when you use your One Card account, which is accessed by your One Card ID. Please read the information on this disclosure carefully.

One Card Account

Your One Card account is a prepaid stored value account that is activated as soon as you deposit funds to your One Card. Deposits can made online, in person at the One Card Office, and/or made at any of the University's One Card deposit stations. The account is a year-to-year-round declining balance account and will remain active as long as you are a registered student, current faculty, or staff member. As such, your funds will carry over from year to year and will not expire until one year following separation from the University.

The account is a record of pre-deposited funds accessed by the cardholder with your One Card for the purchase of products and services. There is no daily limit on the number of purchases that may be made and debited; however, no debits or charges shall exceed the amount of deposited funds. No interest shall be paid on any balance in the account, nor will the University charge any fees for the use of your One Card account. In the event that any deposited funds are returned to the cardholder. The cardholder agrees and understands that the One Card account is not transferable and cannot be sold to another individual.

Your One Card account closes when you do not have an "active status" in the UMB directory anymore. You have 12 months after separating from the University to request a refund for balances of $15 or more. A refund check will be processed and forwarded to your home address. Please allow four to six weeks for delivery. After 12 months of having an "inactive status," any remaining funds over $50 will be automatically refunded to the cardholder by check (minus a $20 administrative fee), and any remaining funds under $50 will be forfeited. Any remaining funds on copy or guest cards that have not been used in over 12 months will be forfeited. We encourage cardholders to spend down the balance of their accounts, or request a refund in a timely manner. Students' One Cards will be in "active status" for 12 months following their last enrollment, unless student is dismissed, transfers, or withdraws.

Any student who is dismissed, withdraws, or transfers out of UMB will have their One Card account deactivated immediately. If the remaining One Card balance is less than $15, the funds will be forfeited at the time the card is deactivated. Any balance over $15 will remain on the card for 12 months and can be refunded at the student's request.

No other refunds are permitted, except at the discretion of the One Card Office, and may be subject to a $20 administrative fee.

Account Access  

You may use your One Card for any service that accepts it as a form of payment. Click here to see a list of all locations that accept the One Card as a form of payment.

Lost or Stolen Cards  

If your One Card is lost or stolen, you must report it immediately to the University to prevent unauthorized access to your funds. You must call the One Card Office at 410-706-6943 or send an email to umb-one@umaryland.edu. Once reported, your account will be frozen until you apply for a replacement card in person at the One Card Office, 621 W. Lombard St., LL004, between the hours of 8:30 a.m. and 4:30 p.m. Monday through Friday. The current fee for a lost card is $15. If you do not contact the One Card Office within 48 hours, you will be liable for unauthorized transactions up to the full amount of your One Card account.

Documentation   

Cardholder statements reflecting transactions on your One Card account are available online, upon request by emailing umb-one@umaryland.edu or by stopping by the One Card Office, 621 W. Lombard St., Room 004, Lower Level, Baltimore, MD 21201.

Error Resolution Procedures   

In case of errors or questions about your electronic transfers, contact the One Card Office by phone (410-706-6943), by email (umb-one@umaryland.edu), or in person. In your communication, be prepared to provide the University with the following information: (a) your name and One Card number; (b) a description of the error or transfer that you are unsure about; and (c) the dollar amount of the suspected error. Upon receiving information of a potential error, the University will begin its investigation. The University will attempt to provide you with the results of the investigation within 10 business days (University business days include every day other than Saturday, Sunday, legal holidays, and other days the University closes) after you notify the University of the potential error. However, the investigation may take up to 45 business days. If the University determines that no error was made, a written explanation will be sent to you within three days after the investigation is complete.