The promise that we make to our customers and to ourselves.

When Higher One was founded, we agreed that as long as we still believed that there is a way to succeed, the business still had a chance at success. No matter what happened, how dreary the outlook, we committed to our belief that there is a way to succeed; and we kept working together to find innovative ways to get there.

"There is a way" is more than just a belief that everything is possible. It epitomizes that in working with each other, we're all working for each other.

1. Focus - We strive for excellence in execution. This means that we channel a great amount of effort toward a small list of value-oriented objectives.
2. Integrity - We are honest and straightforward about our goals and objectives; and we have the courage to pursue them. We demonstrate honest and ethical behavior in all dealings with customers, clients, colleagues, suppliers, partners, investors and governments.
3. Creative Thinking - We are both thoughtful and creative in our approach to problem-solving.
4. Teamwork - We believe that the achievements of any organization are the result of the combined effort of each individual. The combined effort of a team produces results greater than the sum of individual efforts.
5. Open Communication - We value all thoughtful opinions, suggestions, solutions and questions. Within Higher One, we give candid, constructive and direct feedback.
6. Stellar Service - We strive to balance the human and business needs in every internal and external customer interaction. We recognize that exceptional internal service is a necessary foundation for exceptional external service.