Student Accounts
Raider OneCard
Three Rivers has partnered with Bank Mobile, a financial services company focused solely on higher education, to offer faster delivery of refunds to students. Bank Mobile does this via the Raider OneCard Debit MasterCard®. You can view our Bank Mobile contract by clicking here.

The Raider OneCard functions as the official student identification card for Three Rivers College. A photo is now required before a card can be ordered. Raider OneCards will be issued to new students that have registered for classes once a student has his or her photo taken at the Welcome Center or at the centers in Dexter, Kennet, Malden, or Sikeston. Online students may drive to any center or the main campus to have their photos taken. Students with previous non-photo Raider OneCards will still be able to use their Raider OneCard as they always have, but will still be required to have a photo on file if a replacement card has to be ordered.

Starting May 4, 2016 the RaiderOne card is accepted with no fee for cash withdrawal at Allpoint ATM’s located in many stores throughout our service area. For a list of all AllPoint ATM locations, click here.

You can also search for Allpoint ATM’s in your area by going to or downloading the mobile app.

The ATM located in the Bess Activity Center previously utilized for no fee transactions will become inactive on May 4, 2016.

Replacement Cards
Three Rivers may charge one of the following fees for a replacement card. Any fees incurred will be charged to the student's account.
  • First Card Issued: FREE
  • Reorder a card with photo (if you currently have a non-photo card): $5
  • Reorder an inactive card with photo: $10
  • Reorder an active card with photo: $20

Raider OneCard FAQs

1. How are refunds from Three Rivers delivered to students?
Refunds are delivered via the option selected when activating the Raider OneCard. Activate your refund preference and make your refund selection online by visiting Once your refund preference is selected, funds are sent from Three Rivers to Bank Mobile who then disburses the refunds according to your selection. (Please note: In order for us to serve you better, please SELECT YOUR REFUND PREFERENCE as soon as your card arrives in the mail.)

2. How do I get my Raider OneCard?
Three Rivers students will receive a RaiderOne card from Bank Mobile in the mail at their primary address on file with Three Rivers once they have a photo taken at either the Welcome Center, or at the centers in Kennett, Malden, Sikeston, or Dexter. If you are unable to have your picture taken at one of our locations please email or call Student Accounts at 573-840-9662.

3. I don't think I will ever get a refund. Why is it important to select a refund preference?
Although you might not currently expect a refund from Three Rivers, we may have a refund for you in the future. After all, it may be necessary to drop a class, a class may be cancelled or you may simply receive a scholarship or assistance you were not anticipating. Selecting your preferred method to receive refunds from Three Rivers ensures you'll always receive your refunds in a timely manner.

4. What if I already selected a refund preference?
Even if you're already receiving a refund from Three Rivers, you are required to activate your refund preference as soon as you receive your card! It only takes a minute to activate your refund preference with Three Rivers and Bank Mobile to avoid any delays in getting your refund.

5. What are my options for receiving Financial Aid or other refunds?
  • Easy Refund to the OneAccount (refunds available the same day Three Rivers releases them).
  • ACH Transfer to other bank (refunds available 2-3 business days).
  • Receive a paper check from HigherOne.
6. What exactly is the OneAccount?
The OneAccount is a fully functioning FDIC Insured checking account with no minimum balance and no monthly fees. Selecting the OneAccount allows you to access your Financial Aid refunds quicker and easier than ever before and offers a world of great benefits such as:
  • FREE Internet banking features.
  • The ability to make purchases anywhere Debit MasterCard is accepted.
  • You may also withdraw cash with no fees at Allpoint ATMs located in many stores across the Three Rivers service region.
7. How will I know when my Financial Aid or other refund has been direct deposited to my Three Rivers OneAccount?
Bank Mobile will send an email to the address you entered during activation when your refund has been deposited to your OneAccount. Additionally, you can view the details of your OneAccount by accessing your statement online at or by signing up to receive text messages sent directly to your cell phone with Mobile Alerts.

8. Can I have my refund deposited to another bank account?
Yes. You may have your refund deposited to the bank of your choice. In order to have your refund deposited to your bank, activate your refund preference as soon as you receive the card by visiting During the activation process, select ACH Transfer to other bank for your refund preference and simply complete, print, and send the required third party form to the designated address. The form will be available online during the activation process.

9. Why is the MasterCard Brand Mark on my new Raider OneCard?
The Raider OneCard can be used to make purchases wherever Debit MasterCard is accepted. It is important to note that the Raider OneCard is NOT A CREDIT CARD, but rather a DEBIT CARD backed by the purchasing power of the MasterCard network.

10. What if I have additional questions?
Answers to additional questions along with an activation demo can be found by visiting, or stopping by Student Services or any full-service Three Rivers Center to learn more today. Additionally, Bank Mobile offers easy answers to your questions with Easy Help, our self-service database containing answers to frequently asked questions.

For more information, please contact the Student Accounts Office at 573-840-9662 or visit
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