I noticed that I had only 2 weeks left in my courses for school and still have not received any of my stipends. I called Higher One and was told "because I denied their checking account it would take three weeks longer to get my stipend." I could not use the stipend for school because by the time I got it I was taking my finals. Higher One provided a sub-standard service and it makes money off of federal government department of education money. Students don't have money and they take advantage of this population. I told my school and Higher One I wanted my information removed from their system and was told "I don't have authority to make that decision." They say they are there to get our stipends to us faster however, they have a different agenda which is to make money on student's stipend checks.