The OneAccount is meant to be used for free. If you track your purchases, are careful to not overdraw, and remember to "swipe and sign," you should be able to use your account for free. We have created a guide to help you - How to use the OneAccount for Free. Like all checking accounts, there are some normal fees associated with extra services. Higher One does our best to offer as many free services as we can. When we must charge a fee for a special service, we make sure that the fee is competitive, fully disclosed and easily understood. If you have a question about a fee on the schedule below, just click on it for an explanation.