The Oakland Community College photo ID card, (hereafter referred to as the “Raider One Card”) is governed by these terms and conditions and Oakland Community College’s policies, procedures and regulations. Read the terms and conditions carefully
as they contain binding obligations between you and Oakland Community College (the “College”). The use of the words “YOU" and "YOUR" refer to the person to whom the card was issued and named on the
Raider One Card.
By obtaining a Raider One Card, depositing funds into your Raider One Card accounts or by using the Raider One Card associated services; you agree to and accept all of these terms and conditions. The terms and conditions are subject to change from
time to time and without notice. Future changes will apply to all Raider One Cards in circulation and will supersede the previous terms and conditions in effect at the time you acquired your Raider One Card. Be sure to review the terms and conditions
1. Use and Ownership
The Raider One Card and the photo are the property of the College. They are used by College departments and staff to identify you as a College student or staff member and provide you with access to various services. You must present your Raider One
Card upon request by a College official or its service providers. The Raider One Card is entrusted to you so that you may have access to the multitude of services available to you with the card.
The name printed on the card is your official name as recorded in the College’s database. You are the only person entitled to use your card. The Raider One Card is non-transferable. You may not use your Raider One Card for any illegal, improper or
unlawful purpose, for example, presenting your Raider One Card as evidence of being a student at the College while not registered as a student. Using another student’s Raider One Card, or altering, falsifying or selling a Raider One Card is prohibited
and subject to sanctions, and may also be subject to civil or criminal proceedings.
Protect your card by storing it in a safe place. If you have the Enhanced Debit ID card, do not punch holes in it, as that may render it inoperative. Do not apply stickers or make any other modifications to your card.
(Note: Holes are allowed in the Basic card, as it does not have the debit stripe and can be worn as an ID Badge.)
You may use your Raider One Card debit account where MasterCard is accepted, and your college account, iROC Cash, on campus where it is accepted, provided funds are available in your accounts. The accounts associated with the Raider One Card function
under the principle of declining balance accounts, where purchases made with either account on the Raider One Card will be deducted from the account balance. The Raider One Card does not provide credit. Cash-back transactions are not permitted.
You are responsible for use of the Raider One Card, including debits made as a result of misuse of your Raider One Card. If you have problems with anything you purchase using your Enhanced Debit Raider One Card, you must first try to settle the problem
directly with the service provider. In the instances of iROC Cash transactions, the College will be able to assist in resolving disputes (see section 5).
You are responsible for safeguarding your Raider One Card against loss or theft, for maintaining it in proper working condition and for keeping your online account passwords confidential. The College will not ask you to divulge any of your access
information. If you suspect another person knows your online passwords, login to your Raider One Card accounts and change the passwords immediately.
3. Lost or stolen Raider One Cards
If your Raider One Card is lost or stolen, you must take action immediately. You must call US Bank Customer Service to report the card lost/stolen and they will suspend the debit card account. You must also login to your iROC Cash college
account to suspend that account. A fee of $10 is charged for all replacement cards at the Business Office. There are no refunds for the card replacement fee if the lost card is subsequently found. Once you have received your new
card, you will login to your debit card account to replace the card. You will need to contact the Card Services office at 248-232-4400 to remove the suspension on the iROC Cash account. When a new Raider One Card is issued, all previous
Raider One Cards are permanently deactivated. If a card is found, it can be turned into any Public Safety Office on campus.
Contact U.S. Bank Customer Service toll-free at 855-613-9098.
You are responsible for all transactions until your Raider One Card is reported lost or stolen. The College is not responsible for funds or services obtained using a lost or stolen card. You will not be responsible for unauthorized use, which are
transactions occurring after you suspend your Raider One Card accounts. Once you have replaced your Raider One Card, your remaining cash balances will be transferred to your new card. If your Raider One Card is found and returned
to the College, the Card Services office will contact you.
4. Expired Raider One Cards
Expiry dates appear on the front of the Raider One Card. If you continue to attend Oakland Community College beyond the expiry period, you must request a new card at the Business Office. Access to services on campus is tied to your student
status. If you are not registered as a student for a given period within the validity period, some services may not be available to you.
If you have registered the Enhanced Debit Raider One Card, the debit account will stay activated until expiration on the card, even if you are no longer enrolled. About a month before your card expires, US Bank will send you their standard
replacement card. Once activated, that card will access the available funds in your account.
If you stop attending the College but return before your Raider One Card has expired, you will not need a new card.
5. Transaction Disputes
If you are not able to successfully resolve a purchase disagreement with a service provider and you wish to dispute the charge deducted from your Raider One Card debit MasterCard account, you must contact the US Bank Customer Service line at
If you want to dispute an iROC Cash account transaction, you must contact the Card Services office at 248-232-4400. You must provide the date, location, and amount of the transaction, along with any other information that may help staff resolve
Disputing a charge does not necessarily guarantee that the disputed charge will be credited to your Raider One Card account. Charge disputes are dealt with on a case-by-case basis.
All Raider One Card account funds are in US dollars. Cash deposited in your card accounts must be in US dollars. All deposits made from a debit or credit card outside the US may not be equivalent to the exact amount deposited due to currency
7. Refusal to accept or honor a Raider One Card as payment
The College is not responsible for refusal to accept or honor your Raider One Card for whatever reason, including:
- Insufficient funds in your account at the time of the purchase;
- Equipment normally used to process the transaction is not functioning;
- Temporary suspension or cancellation of your account due to a violation of these terms and conditions; or
- Card was reported lost or stolen.
iROC Cash Account Refunds
Only students who are graduating or permanently leaving campus may have the money from their iROC Cash college account refunded. The iROC Cash account will be rendered closed with the processing of the refund request. Refunds may be requested
at the campus Business Offices located on each OCC Campus. There must be a balance greater than $5 at the time of the request for a refund. Please allow 3-4 weeks for refund check processing.
Note: There will be a $10 fee to reactivate the iROC Cash account if you return to the College.
Debit Card Account Refunds
If you have registered debit MasterCard feature on your Raider One Card and would like to close this account and receive a refund, please contact U.S. Bank Customer Service at 855-613-9098.
9. Residual Funds
The iROC Cash account is considered inactive if it has no activity for twenty-four (24) consecutive months, at which time the account will be closed.
10. Offline Transactions
If the iROC Cash account transaction readers are in an offline mode, transactions cannot be accepted.
11. Library Card Feature
Your Raider One Card also serves as your OCC Library Card. Visit any of the campus library circulation desks to have your Raider One Card activated for library use. Once activated, you can use your card to check out materials from any OCC campus
library, login to your library account to view and renew checked-out items, or borrow materials from other participating libraries through MeLCat.
You may also use your Raider One Card to print and copy in the library. Stations are available in each library for you to add funds to your card for printing/copying.
The card holder agrees to be financially responsible for all materials borrowed and services utilized with this card, and agree to abide by all OCC policies and regulations.
For more information see http://libguides.oaklandcc.edu/RaiderOneCard
12. Collection and use of your personal information
Your personal information is intended to be used to verify your identity, to operate your Raider One Card through payment card networks for the purpose of providing the services associated with the Raider One Card, administering College programs
and activities, and carrying out other College services and functions.
Without limiting the general interpretation of the previous sentence:
The name printed on the card is the individual’s official name as recorded in the College’s database. Your digital photograph will be printed on the face of your Raider One Card and will be stored in a confidential Card Services database. Student
photographs and enrollment information are proprietary and are kept secure and confidential. Outside parties are not privileged to personal or account information unless express consent is granted, or the College is complying with security,
legal or government agencies.
13. Limitations on the College's Liability and Indemnity
The College is not liable to you for any loss, inconvenience to you or to others, or for any damages (including special, indirect or consequential) or expenses of any kind that may result from the use or misuse of the Raider One Card or if, for whatever
reason, your Raider One Card is not accepted or you do not have sufficient funds in your accounts. You agree to indemnify, hold harmless and release the College from any and all claims for losses, damages, injury, fees, expenses, charges or debts
made by any party against the College arising out of the use or misuse of the Raider One Card.
These terms and conditions are governed by the laws of the State of Michigan applicable therein.
If you have any questions about the Raider One Card or the services offered, please contact the Card Services office at 248-232-4400, or by email at firstname.lastname@example.org.