Do I have to activate the card that was mailed to me?

YES! The card that was mailed to you is your key for entry into the Higher One system and allows you to choose how you want your refunds delivered. Information is contained in the system to authenticate you as a user. It is your choice whether you choose to activate the OneAccount and the debit card or direct deposit.
If you do not activate your card and you receive a refund your refund will be delayed for up to 30 days.

Contact: 
San JacCard.com
Department: 
Higher One