Paying Financial Aid and Refunds

We start to pay or disburse financial aid to your university account ten days prior to the first day of classes of a semester.

We review your:

  • Enrollment status
  • Academic progress
  • Other unsatisfied aid requirements

There are many criteria and requirements that must be satisfied in order for us to pay your financial aid. The college will only pay your aid after you satisfy all of the requirements related to the aid programs in your aid package, and your registered hours matches your financial aid package (full-time, 3/4 time, 1/2 time, or <1/2 time). You will receive an email notification when we pay your federal aid.

Visit MyPlattsburgh to view your account status, review any requirements, and check the status of any refund situation.

Refund Eligibility

A refund situation occurs when payments and credits on your university account exceed tuition and other charges for a semester.

For example, if for the fall semester your tuition and other charges are $5,000 and your financial aid totals $6,000, your account balance is -$1,000 (negative) and you would receive a refund check of $1,000.

Refund checks are intended to help you pay educational expenses such as books, supplies, personal expenses, and room and meals if you live off-campus.

Distribution of Refunds

SUNY Plattsburgh partners with Bank Mobile, a financial services company focused on higher education, to deliver refunds to SUNY students. You must be a U. S. citizen with a U. S. address in order to use Bank Mobile for refunds. Students have three options to receive a refund:

  • Electronic deposit to another account - Money is transferred to another account the same business day BankMobile receives funds from SUNY  Plattsburgh. Typically, it takes 1 - 2 business days for the receiving bank to credit the money to your account.
  • Electronic deposit to a BankMobile Vibe account - If you open a BankMobile Vibe account (upon identity verification), money is deposited the same business day BankMobile receives funds from SUNY Plattsburgh.
  • Paper check delivered by USPS - A check is mailed the same business day BankMobile receives funds from SUNY Plattsburgh, provided receipt is within daily cutoff times. Typically, it takes 5 - 7 business days for the check to arrive, depending on USPS First-Class® delivery time frames.

Choose the option that is best for you. After you register for classes, Bank Mobile will mail you a Personal Code in a bright green envelope to your current address on file with SUNY Plattsburgh. You need this Personal Code to choose one of the three refund preferences. Follow the instructions that accompany the Personal Code in order to select a refund preference. You can visit here for more and to select your preference. To view our institution's contract with BankMobile, a Division of Customer Bank, click here.

You should expect to receive your refund during the first week of classes as long as you have already selected a refund preference and you have satisfied all of your disbursement requirements. Paper checks will take at least a week longer. A book advance option is available prior to the start of a semester.

We start to distribute student refunds around the first day of classes. Student refunds are distributed based upon the refund option that was selected at If you select bank transfer or the Bank Mobile account, your refund should be available within a few business days of disbursement. If you chose to have a paper check mailed to you, your check should be available within one to two weeks of disbursement. If you do not select any option, a paper checked will be mailed after a 21 day delay.

A refund check generated from a parent loan is mailed to the permanent home address unless the parent borrower has indicated on the loan application that it should be made payable to the student.In the latter case, it is distributed based upon the refund option selected by the student.

Not sure what to choose? Compare and contrast Cardinal Cash and the Plattsburgh Debit Card.

Withdrawing from College

Visit College Withdrawals and Federal Financial Aid for information about how withdrawing from college affects any federal financial aid.

Visit Withdrawal from College Policy for our policy and procedures for both personal and medical/mental health reasons.

Contact Information

For more information about Financial Aid at SUNY Plattsburgh, please contact:

Financial Aid Office
Location: Kehoe Administration Building, Suite 401-410
Phone: (518) 564-2072
Toll-Free Phone: (877) 768-5976
Fax: (518)564-4079

Our mailing address:

Financial Aid Office
SUNY Plattsburgh
101 Broad Street
Plattsburgh, NY 12901-12681